Dairyland has been specializing in auto insurance since 1953. For 68 years, the company has grown immensely and is now offering a variety of insurance policies.
Along the way, the company was acquired by Sentry, a Wisconsin-based insurance provider. In 2005, Dairyland merged with Viking Insurance.
This resulted in Dairyland’s diverse insurance offerings. Today, the company is known for providing auto and motorcycle insurance for high-risk drivers.
However, Dairyland’s insurance policies may not be the right fit for some. This article will explore the advantages and disadvantages Dairyland can give you.
Find out if Dairyland Insurance is perfect for your needs!
What Dairyland Can Offer You
Dairyland offers insurance policies for cars, motorcycles, and trucks. Their auto insurance provides both minimum and full coverages that include:
- Basic coverage
- Personal injury protection
- Towing and labor
- Special equipment
- Lienholder
- Rental reimbursement
Basic coverage includes liability and medical payments. Towing and labor cover the fees for transporting the vehicle to an auto-body shop.
Meanwhile, rental reimbursement will cover your rental car while your car is being fixed. In addition, the lienholder provides for any vehicular upgrades you’d need to do.
For motorcycles, no matter what type of bike you have, they can cover it!
The motorcycle insurance includes these coverages:
- Collision coverage
- Medical bills and costs
- Replacement cost
- Rental reimbursement
- Roadside assistance
- Special equipment
Replacement cost coverage applies to motorcycles aged three years old or less. Most insurance providers only offer up to one year.
Any damage to special equipment you’ve added to your motorcycle will also be reimbursed. If you also break down by the side of the road, road assistance will be provided.
Advantages
Dairyland has built a reputation over the years. They’re the go-to insurance provider for riders who might otherwise find it difficult to get insurance.
But aside from that, Dairyland can offer you many other benefits too!
Insurance for High-Risk Drivers
High-risk drivers are those who have a DUI, DWU, or OWI record, or had their license suspended. Most companies consider them big liabilities, and so they don’t approve their applications.
Dairyland primarily caters to these drivers. So if you’re having trouble getting your insurance elsewhere, Dairyland is worth a try!
Off-Road Insurance
While most companies would shy away from insuring thrill-seeking individuals, Dairyland would beg to differ. Their off-road insurance coverage is specifically tailored for high-adrenaline adventures.
Off-road vehicles include ATV/UTV, snowmobiles, mopeds, and dirt bikes. Off-road insurance provides all the standard coverages plus submersion, trailer coverage, permissive use, and property damage.
Flexible Payment Options
Unlike most companies, Dairyland offers very flexible payment plans. You can tailor your insurance coverage according to your needs and pay within a protracted period.
They price down payments affordably, and you can choose to pay monthly, quarterly, or biannually. They also offer convenient reissue or reinstatement options.
Versatile Insurance Policies
Dairyland also offers all kinds of coverage. You can mix and match and save costs by focusing on your insurance needs.
For starters, there’s collision damage coverage for vehicular accidents on the road. Then there’s comprehension damage coverage, which involves fire, vandalism, theft, and others.
There’s also coverage for underinsured and uninsured motorists. Medical payments, funeral expenses, and other incurred costs may also be added to your plan.
Add Ons
The standard coverage options provide the basic insurance inclusions. However, you can also easily add to your current plan.
Dairyland’s available add ons are towing and labor, rental reimbursement, and special equipment coverage. Towing and labor cost $80 per 75$ of coverage, while rental reimbursement costs $84 with a $1,125 expense limit.
Special equipment coverage ranges from custom paintwork, installed electronic systems, to special wheels or tires. You’ll be paying $240 for $1,000 of coverage.
Although, you’d need to take note that add-on coverage rates can vary. Factors can be your state regulations, your history, and your vehicle type.
Special Motorcycle Coverages
Motorcycle riders who are only traveling to the U.S. or planning to use their bikes for short terms will have the option to tweak their coverage limits. This applies to motorcycles that you own, borrow or rent.
In addition, foreign visitors can apply for temporary insurance policies that range from 30-90 days.
Discounts
The many discounts that Dairyland Insurance offers are one of the advantages of the company. They are mostly incentives-based and can deduct a big chunk from your premium.
The early bird does get the perks with Dairyland’s Advanced Quote Discount. This applies when you come in for a quote at least one week before you intend to start your coverage.
You can also get discounts when you enroll multiple cars in your plan. Transferring to Dairyland after at least six months from your previous carrier can get you a 10% discount.
If you also have existing homeowners or renters insurance, you’re eligible for a discount on your auto insurance. Loyal Dairyland customers are also awarded a 4-7.5% discount on their insurance plans.
Moreover, if you’ve gone the extra mile, you’ll be rewarded with a 5-10% discount. This applies when you pass a safety driving course or when you secure your vehicle with an anti-theft device.
If you’re a motorcycle rider, being a member of a Harley Owners Group or a Rider Group can get you a 10-15% discount.
Again, these discount rates can vary depending on several factors. Discounts may also be subject to a limit when you’re eligible for multiple.
Disadvantages
Dairyland Insurance indeed has many appealing qualities. However, there are several things you should also take into consideration before getting the company’s services. Without further ado, here are some of the downsides to Dairyland.
Pricing
When compared to standard prices, Dairyland seems to be an expensive option. However, considering that their market is high-risk drivers, their offerings are reasonable.
In fact, Dairyland is the best choice in terms of convenience and price when it comes to high-risk cases. Other companies would either pay your premiums or deny your application outright.
But if you’re not considered a high-risk driver, it might be best to look at other options too.
Availability
Dairyland generally accepts most cases, especially since they specialize in high-risk cases. However, their policies are only available in 42 states.
Their coverages and plans can differ per state, as they can be affected by state regulations and requirements. Check first if Dairyland offers your preferred coverages in your home state.
Complaints
Unfortunately, Dairyland Insurance has racked up unfavorable customer service reviews. This is based on the 2018 ratings of the National Association of Insurance Commissioners.
The dip in customer satisfaction mainly stemmed from several cases of delayed settlements, payments, and processing. The rating raises quite the red flag since it’s well below the expected rating for a company of its size.
Online Options
Another downside to Dairyland is that its online options are not as extensive. You can get a quote and manage payments on their website and mobile app, but not much else.
Their website may also be mildly confusing for those not used to the Internet.
Things You Should Know About Dairyland Insurance
Now that you have the complete picture of Dairyland’s offerings, here are a few more things you should familiarize yourself with!
SR-22 Car Insurance
When drivers have a history of driving violations, they’d need to file an SR-22 to get car insurance. These violations typically include drunk driving, driving without a license, and reckless driving.
Requirements for SR-22 can vary per state. The good thing is, Dairyland can file on your behalf.
Even better, you won’t be charged any additional fees for this!
Non Owner Insurance
If you’re a high-risk driver and you don’t have a vehicle of your own, Dairyland’s non-owner insurance may be right for you.
Non-Owner insurance is for frequent drivers who do not own vehicles. Like with SR-22 coverage, Dairyland will not charge you extra.
Financial Strength
If its decades-long longevity does not convince you, Dairyland was given an A+ or “superior” rating from A.M. Best. It is a renowned rating company that analyzes the stability of insurance providers.
The A+ means that Dairyland is more than equipped with its reserves to process all claims. In addition, the Better Business Bureau also awarded Dairyland with an A+ rating.
Final Thoughts
Dairyland Insurance is a familiar name in the auto insurance world. For years, they have built a reputation for being a trustworthy insurance provider.
More importantly, Dairyland can offer high-risk drivers convenience and flexibility. Most insurance companies would see them as too big a risk, but not Dairyland.
Dairyland Insurance is perfect for people who have a history of violations or are required to file for SR-22. Foreign travelers and non-owners can also find affordable payment plans.
Moreover, Dairyland’s pay-as-you-go and customizable coverage limits are also significant advantages. Their multiple discounts are also very appealing.
However, the company only offers auto and motorcycle insurance, and you might want other types of insurance. To sum things up, Dairyland is the best option for high-risk drivers. If you’re not one of them, you may consider the other factors and available options.
Want to know more about insurance? Check out these other articles:
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