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Auto Insurance

Do you need auto insurance? As your local Independent Agent, we have you covered. After asking some questions, our experts will find the right coverage for your vehicle at the right price.

 

  • Motorcycle Insurance
  • Boat Insurance
  • RV Insurance

Save money on auto insurance today.

Whether you are a first-time car owner or you need a more affordable insurance option, we’ll help you find coverage that meets your unique needs.

Coverage Options To Choose From

Comprehensive Coverage

Comprehensive Coverage also known as “other than collision coverage” will replace or repair damage to your vehicle caused by things such as theft, falling objects, fire, hitting an animal, vandalism. Deductibles typically can range from $100.00 -$500.00

Comprehensive Covearge also includes:

UMPD Uninsured Motorist Property Damage-coverage that will protect you and help repair your vehicle if you’re hit by a motorist who does not have any insurance.

UMBI Uninsured/Underinsured Motorist Bodily Injury will help pay your medical expenses, income lost from work if you’re hit by or in an accident with an uninsured or underinsured driver.

Liability Coverage

In the event that you have a car accident that you are liable at fault, liability insurance will pay the other person’s expenses up to the liability coverage amount you choose.

Collision Coverage

Collision Coverage is coverage that can replace or repair your car in the event that you’re in an accident with another vehicle or you hit a vehicle.

Med Pay

Also known as Medical Payments, these can pay you or your passenger expenses regardless of fault.

Auto Insurance

Additional Car Insurance Coverages

  • Personal Injury Protection (PIP) also known as No-Fault insuranceIt will cover your medical expenses and in some states lost wages while you recover from an accident, regardless of who was at fault.
  • Rental Reimbursement, an optional coverage that can be added to your auto policy.This helps with rental expenses for a covered claim on your auto policy.
  • Roadside AssistanceIt covers if you run out of gas, have a flat tire repair, need to jump your battery, or incur towing expenses.
  • Gap Coverage, also known as Guaranteed Asset Protection This closes the gap between the actual cash value of the car and the balance owed on the loan.

What does motorcycle insurance cover?

Whether you are a new motorcyclist or have been riding for years, you never know when an accident could occur. At Wright Insurance, we have your safety and coverage in mind.  When purchasing motorcycle insurance we have options to cover the insured in the event of an accident or damage to the insured motorcycle. 

 

Motorcycle insurance options can include:

  • Motorcycle collision & comprehensive coverage
  • Theft
  • Coverage for your motorcycle accessories
  • Medical Expenses

Our experts want you to get the best insurance at the most affordable cost. Here are some savings we offer motorcycle drivers:

  • Multi Auto and Policy Insurance
  • Safe Driver Discounts
  • Association Member Discounts

What is RV insurance?

In short, RV insurance is coverage for a travel trailer or mobile home that you live in or use for travel.

What does RV insurance cover?

Total Loss Replacement

Coverage guaranteed to replace the insured RV even if the new RV costs more

Replacement Cost/Personal Effects

Insured personal belongings are covered up to a certain amount. Example items are cameras, phones, etc.

Emergency Expense Coverage

Insured can receive up to $750.00 for hotel stay, rental vehicle, food expenses if the insured RV becomes inoperable more than 50 miles from their residence.

Insured can increase emergency expense coverage to $2000 for an additional premium.

  • Roof Protection Plus
  • Post Damage Protection Coverage (bold font)
  • Coverage caused by damage from birds, insects, mice, rodents

What does Boat Insurance cover?

Sometimes home insurance coverage covers a small amount of damage coverage for your boat. However, it usually entails that the damage happens on the same property of your home. This makes having boat insurance essential to cover you on the road and in the water. 

Boat insurance includes coverage for your watercraft or sailboat as well as the insured for injury, theft or accident, and mechanical issues from your boat motor.

Total Loss Replacement

Coverage guaranteed to replace the insured boat, even if it costs more to replace

Injury and Property Damage

Covers your own boat damage as well as personal injury to others involved. In the rare instance that you would get sued, this includes legal expenses. 

Fuel Spill and Wreckage Coverage

If your boat sinks and spills fuel, this covers any fines you incur as well as gets your boat if the government requires.  

Water Sports Coverage

Do you and your family enjoy tubing, kneeboarding, or other water activities? This insurance covers any injury or damages from any water sports. 

Equipment and Carry On Coverage

You will receive up to $10,000 for any fishing equipment and up to $5,000 for any personal items lost or stolen during your trip.  

Start your own free quote, and we will discuss which all your boat insurance is best for you.