Do I Need Insurance on My Classic Car if I Never Drive It?

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If you live in or near the Decatur, AL area and own a classic car, you are among many other enthusiasts. Most classic car owners frequently maintain their treasures to ensure they remain pristine. If you’ve never owned a classic car, you might be confused about insurance. One question that many classic car owners have is whether to cover their cars if the vehicle is never driven. The answer is yes, as not only is minimal insurance required for classic vehicles in Alabama, but here are some key facts to keep in mind.

Your Car Could Incur Damage Despite Never Being Driven

Depending on where you stored it, if it isn’t stored properly, then there are several ways in which it could become damaged. The environment, weather, or even animals could cause your beloved classic vehicle to develop rust, scratches, or any number of other types of damage.

You Can Pay Less for Coverage Based on your Car’s Agreed Value

Although classic car coverage works similarly to traditional car insurance, with classic cars, paying less is possible. Most insurance companies will agree to provide coverage based on the vehicle’s worth. There are usually stipulations to continue to pay a lower rate. Your insurance policy will likely be "parked car insurance" and consist only of comprehensive insurance. One typical stipulation is that the car must remain in storage. If your vehicle is driven, additional insurance must be obtained. 

So, if you’re ready to start a classic car insurance policy, we at Will Wright Agency Inc. are prepared to provide you with high-quality service. One of our friendly agents will be more than happy to give you a quote and, hopefully, assist you with starting your new policy immediately.  

What Coverages are Included in the Typical Renter’s Insurance Policy?

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Having the right level of protection for your rental is essential. Renter’s insurance is designed to cover liabilities and more. If you need quality insurance coverage, you can count on Will Wright Agency Inc. to provide the residents of Decatur, AL, with insurance products they can count on to give them peace of mind. 

Renter’s Insurance Coverage

Renter’s insurance provides the policyholder with three basic types of coverage. They include liability, personal property, and alternate housing. Although some insurance policies may vary slightly, most offer these benefits. Before you purchase your policy, you should consult with your insurance agent to determine the terms and conditions and ensure you understand precisely what is and isn’t covered. 

Our team is dedicated to ensuring we provide top-notch customer service. Our agents will work closely with each individual to determine their current and future needs. They can then match the information with policies that offer the most benefit. Once your policy is secured, you can count on our agents to provide you with support for policy changes or to submit a claim. We aim to ensure you get the protection and services you need to be secure. 

Contact Will Wright Agency Inc. Today

Securing adequate renter’s insurance is essential. If you live in or around the Decatur, AL, area, you can call or stop by the Will Wright Agency Inc. office and schedule an appointment to speak with one of our agents. They can provide you with more information or answer any questions. We take pride in offering our customers insurance products they can rely on to keep them covered against various risks as a renter. 

Safety Tips for Motorhome Travel

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Owning a motorhome is one of the best ways to travel and see the country. At Will Wright Agency Inc, serving Decatur, AL, and the surrounding area, we want to help families truly enjoy their motorhome travels. To make the most of your motorhome ownership, you need to keep these safety tips in mind. 

Invest in Security 

Just like with your regular home, your motorhome needs security measures. Many of the same security technology you use at home can also be used in a motorhome. Ring doorbells, security cameras, motion detectors, and more also work well to keep your motorhome safe and secure. Consider investing in these types of safety features so that you always feel secure when traveling. 

Stay Up On Maintenance 

A motorhome will need routine maintenance to operate properly and safely. Proper maintenance helps to achieve several different things. It can help you maintain the value of the motorhome if you want to resell or trade-in in the future. It can also help ensure that your motorhome is functioning properly when traveling. Motorhome components such as brakes, wheels, and electrical components should all be kept in good shape not to put you or your family at risk. It would be best to work with a licensed mechanic acquainted with motorhome maintenance to ensure that your maintenance jobs are always done right. 

Research Motorhome Parks 

It would be best to research where to park your motorhome while traveling. Where you park will play a significant role in your overall safety. Be sure to stay in reputable parks with good security. 

To learn about motorhome insurance, contact us at Will Wright Agency Inc., serving Decatur, AL, and the surrounding areas. 

Tips for taking your RV on a road trip

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With the summer season in full swing here in the Decatur, AL area, many of us use our recreational vehicles (RV) for road trips. Taking an RV on a road trip can be a great way to experience the outdoors comfortably and conveniently. Here are some tips from us at Will Wright Agency Inc. to help make your RV road trip as fun and stress-free as possible: 

1. Plan ahead: Before hitting the open road, research the places you plan to visit. Check out local attractions, campgrounds, and other points of interest along your route so you’ll have plenty of activities lined up during the trip. 

2. Stock up: Be sure to bring enough food, supplies, and personal items to last the duration of the trip. Make sure to get any spare parts you may need for any potential mechanical issues you may encounter. 

3. Get organized: Keeping all your belongings organized will help ensure everything is kept in its place and easy to find when needed. Store heavy items close to the floor and secure them to remain stable during transit. 

4. Bring entertainment: Make sure that everyone has something to keep them occupied during long stretches on the road, such as books, movies, board games, cards, etc. Also, ensure everyone has a comfortable place to rest or sleep if needed. 

These tips will help make your RV road trip as stress-free and enjoyable as possible! So don’t forget to plan ahead, stock up, get organized, and bring entertainment items for long stretches on the road! Enjoy your travels! For more tips, call us at Will Wright Agency Inc. today. We serve the Decatur, AL area.

Top Three Ways To Protect Your Classic Car

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Classic cars are more than just vehicles. Classic cars are often viewed by their owners as an investment and a hobby. At Will Wright Agency Inc, serving Decatur, AL, and the surrounding areas, we want to help you make the most of your classic car ownership. Keep reading to learn about the top three ways to protect your classic car. 

Have Proper Insurance In Place

Standard auto policies are not appropriate for most classic cars. This is because classic cars are valued very differently than regular vehicles. These cars have had special work done to restore them, and in most cases, a lot of money has been invested. It is essential to adequately evaluate the classic car by an insurance expert with experience with insuring classic cars. 

Keep The Vehicle In A Garage

Classic cars should not be exposed to the elements. Although this might be fine for your regular vehicle, a classic car should be specially maintained to help it retain its value. Keeping the vehicle in a garage also helps protect it from theft as well. 

Get Professional Maintenance 

If you are not mechanically inclined yourself, you will want to hire someone to maintain the car professionally. Different classic cars will have different needs, so it is vital to ensure they receive the proper care and maintenance they need. Always think of this as an investment you are making rather than an expense. 

If you want to learn more about classic car insurance, please get in touch with us at Will Wright Agency Inc, which serves Decatur, AL, and the surrounding areas. 

Three important features of renters insurance to be aware of

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There are plenty of great reasons why renters should carry renters insurance. At Will Wright Agency Inc., we can offer insurance policies for renters in Decatur, AL.

Renters must understand the features of renters insurance when they buy a policy. Here are three important features of renters insurance to be aware of. 

Coverage for medical expenses

Renters should know they can be considered liable for accidents within their rental unit. This means that you might be expected to pay medical bills if you invite a guest to your rental home and that guest becomes injured.

Fortunately, the liability coverage that renters insurance policies include will cover you for medical expenses. 

Coverage for damage to your belongings

Some renters don’t realize that renters insurance doesn’t only cover liability expenses. Renters insurance also covers the value of the belongings of the renter.

If your rental home becomes damaged, your belongings within your unit might be destroyed. With renters insurance, you can be covered for the value of your belongings when an accident happens. In fact, you can even be covered for the value of belongings in your vehicle that become damaged if you have renters insurance. 

Coverage for living expenses you face temporarily

One of the best things about renters insurance is that it can cover the expenses you face paying for temporary living quarters if your rental unit is damaged.

Your renter’s insurance can pay for you to stay in a hotel temporarily while your rental unit is being repaired or while you are looking for another place to live. 

Are you in the market for a renters insurance policy? Will Wright Agency Inc. offers renters insurance in Decatur, AL. Give us a call today to get a quote. 

Safe driving tips for motorhome drivers

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Motorhome drivers must exercise extra caution when navigating the roads, especially in the Decatur, AL area. Driving a motorhome can be intimidating, so here are some tips from us at the Will Wright Agency Inc. to help you stay safe on the road: 

  1. Before setting out on your trip, ensure your motorhome is updated with maintenance. Check tire pressure and tread depth, brake fluid, and lights. 
  2. Adjust your driving habits to the size of your vehicle. Motorhomes need more time and space to stop and turn than smaller cars, leave plenty of room between you and other vehicles, and use lower speeds in unfamiliar areas. 
  3. Be aware of windy conditions affecting a larger vehicle like a motorhome – especially when crossing bridges or high elevations. If it’s windy, slow down to reduce drag on your vehicle and give yourself more control while driving. 
  4. Stay alert while driving, and don’t allow yourself to become distracted by devices or passengers in the vehicle. Turn off all gadgets until you reach your destination, if possible. 
  5. Know what type of terrain you’re traveling through – for example, some roads have restrictions for motorhomes due to narrow turns or steep inclines/declines – before setting out so that you can adjust accordingly for a smoother ride. 

By following these simple tips, motorhome drivers will be able to enjoy safe travels across the country! For more tips on how to stay safe on the road, or if you have any questions about your motorhome insurance policy, call us at the Will Wright Agency Inc. Today. We are proud to serve the Decatur, AL area.

How to prepare your RV for winter

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Once you’ve identified the winterizing needs of your RV, it’s time to begin preparations. We love RVs at WIll Wright Agency Inc. and recommend everyone in the Decatur, AL area follow these helpful tips.

Tips for your RV this Winter

Start by draining all water tanks and lines and flushing any remaining moisture. Next, disconnect all electrical cords and power sources from your RV and store them securely for safekeeping. Once complete, cover up the batteries with a battery blanket or tarp to keep them insulated against cold temperatures. Additionally, ensure your RV is equipped with a proper antifreeze solution to protect any plumbing fixtures and pipes from freezing over.

When storing your RV during winter months, please place it in an area that offers plenty of coverage from snow and direct sunlight. To further protect against the elements, apply a coat of wax to the exterior and seal any windows and entrances with a weather-resistant sealant. Finally, inspect all areas of your RV for any potential signs of damage or wear that may have occurred during the summer months. Repairing any necessary items before storing them will ensure you’re ready to hit the road again when winter is over!

Following these steps will help ensure that your RV is adequately prepared for winter and will remain in excellent condition until spring arrives. And with a little bit of preparation, you can guarantee that your next camping trip in the cold winter months will be enjoyable and stress-free! So don’t wait another minute–get out there and start preparing your RV for winter today!

For more tips, call us at Will Wright Agency Inc. today! We proudly serve Alabama and Tennessee. Happy travels!

What value comes with classic car insurance in Alabama?

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Anyone that lives in the Decatur, AL area will want to own a car. For those that are vehicle lovers, owning a classic car can be a dream. If you are looking to purchase a classic car in this part of the state, it is vital that you get a classic car insurance plan. This is a unique type of auto coverage that provides value that is unmatched by other types of auto coverage. 

Receive Full Protection for Car

One important reason to always get a classic car insurance plan is to protect your car’s value adequately. When you purchase a classic car, you will be making a significant investment that could go up in value. If you are appropriately covered with insurance, it will allow you to build a plan that offers coverage for the vehicle’s full value. In many cases, you are able to negotiate this coverage with the insurance provider when taking out the policy. 

Obtain Necessary Liability Coverage

You also will want classic car insurance to obtain liability insurance. If you are going to drive a classic car, you will need to have liability insurance. However, the actual risk over the policy term is likely low as you drive sparingly. The insurance providers are able to consider this when building your policy. 

Classic car insurance remains an excellent investment for those in the Decatur, AL area. Calling Will Wright Agency Inc. is beneficial if you want one of these insurance plans for your classic car. The Will Wright Agency Inc. team knows the importance and value of this coverage and can ensure you are adequately covered. 

Does Renters Insurance Cover Flooding?

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Renters insurance is not a legal requirement for those living in Decatur, AL, but some landlords will require proof of indemnification before they sign off on your lease. In addition, many people choose to buy renters insurance for the benefits it offers. 

What About Flooding?

A variety of reasons can cause flooding. For example, a pipe may burst in your apartment, causing significant water damage. Leaky roofs can also cause fluid accumulation, and both of these scenarios are likely to fall under the purview of a renters insurance policy. Your Will Wright Agency Inc. specialist can go into further detail about specific coverage. 

The type of flooding that falls outside of renters insurance coverage tends to be directly related to the weather, such as living next to a river or creek that rises during heavy rains. 

Flash flooding due to storms can wreak havoc, as can significant snow thaws. Wet water streams that spring up and inundate gullies and ditches can also create flood conditions. These types of events fall under flood insurance coverage. 

It’s important to examine the Decatur, AL topography surrounding your dwelling and speak with an expert to determine if additional coverage is needed. FEMA government maps detail flood planes and the risk for flooding as well as the severity, frequency, and elevation; this information is updated every few years. 

Renters insurance tends to cover your possessions, furniture, and expenses due to injuries incurred by guests while on your premises and not events due to flooding. 

Discuss Your Needs With Us 

Will Wright Agency Inc. works hard to provide you with the tailor-made insurance package best suited to meet your needs. Call us today, reach out via phone, or stop by our office to ask any questions.