Dairyland Insurance is a company that offers affordable and flexible auto and motorcycle insurance to drivers and riders who may have trouble finding standard coverage due to poor driving records, little driving experience, or no prior insurance.
Dairyland Insurance has been in business for over 60 years and has a national presence, but still maintains its midwestern roots and values.
In this article, we will review the pros and cons, costs, and coverage options of Dairyland Insurance.
Pros and Cons of Dairyland Insurance
Some of the pros of Dairyland Insurance are:
- It provides coverage for high-risk drivers and riders who may be rejected by other insurers.
- It offers flexible payment options, including pay-as-you-go, quick pay, and automatic payments.
- It has a mobile app that allows customers to make payments, view documents and receive alerts anytime, anywhere.
- It has experienced claims specialists and dependable financial strength.
- It offers money-saving discounts for various factors, such as multiple vehicles, safety courses, anti-theft devices, and more.
Some of the cons of Dairyland Insurance are:
- It does not offer online quotes for auto insurance. Customers have to call or find an agent to get a quote.
- It has limited coverage options for auto insurance compared to other insurers. For example, it does not offer comprehensive, collision, rental reimbursement, or roadside assistance coverage.
- It has mixed customer reviews on various platforms, such as Trustpilot, BBB, and Google. Some customers complain about poor customer service, delayed claims processing, and high rates.
Coverage Options and Policies Offered by Dairyland Insurance
Dairyland Insurance offers the following coverage options for auto insurance:
- Liability: This covers the bodily injury and property damage that you cause to others in an accident. This is required by law in most states.
- Personal injury protection (PIP): This covers the medical expenses and lost wages for you and your passengers in an accident, regardless of who is at fault. This is required by law in some states.
- Uninsured/underinsured motorist (UM/UIM): This covers the bodily injury and property damage that you suffer in an accident caused by a driver who has no insurance or not enough insurance. This is required by law in some states.
- Medical payments: This covers medical bills for you and your passengers in an accident, regardless of responsibility. Most states have this option.
Dairyland Insurance also offers the following coverage options for motorcycle insurance:
- Liability: This covers the bodily injury and property damage that you cause to others in an accident. This is required by law in most states.
- Collision: This covers the damage to your motorcycle caused by a collision with another vehicle or object. This is optional in most states.
- Comprehensive: This covers the damage to your motorcycle caused by events other than collision, such as fire, theft, vandalism, or animal strike. This is optional in most states.
- Uninsured/underinsured motorist (UM/UIM): This covers the bodily injury and property damage that you suffer in an accident caused by a driver who has no insurance or not enough insurance. This is required by law in some states.
- Medical payments: This covers the medical expenses for you and your passengers in an accident, regardless of who is at fault. This is optional in most states.
- Personal injury protection (PIP): This covers the medical expenses and lost wages for you and your passengers in an accident, regardless of who is at fault. This is required by law in some states.
- Roadside assistance: This covers the towing and labor costs if your motorcycle breaks down or needs a jump start, tire change, or fuel delivery. This is optional in most states.
- Accessory coverage: This covers the damage or theft of your custom parts and equipment on your motorcycle, such as saddlebags, helmets, or stereo systems. This is optional in most states.
Cost of Dairyland Insurance and Available Discounts
The cost of Dairyland Insurance depends on various factors, such as your age, driving history, location, vehicle type, coverage level, and more.
The average annual premium for Dairyland auto insurance is $1,544, which is higher than the national average of $1,134. The average annual premium for Dairyland motorcycle insurance is $372, which is lower than the national average of $519.
Dairyland Insurance also offers various discounts to help customers save money on their premiums. Some of these discounts are:
- Multi-policy discount: You can save up to 25% if you bundle your auto and motorcycle insurance with Dairyland.
- Multi-car discount: You can save up to 20% if you insure more than one vehicle with Dairyland.
- Homeowner discount: You can save up to 20% if you own a home or condo.
- Transfer discount: You can save up to 7% if you switch to Dairyland from another insurer without a lapse in coverage.
- Loyalty discount: You can save up to 5% if you renew your policy with Dairyland.
- Safety course discount: You can save up to 10% if you complete a state-approved driver education or motorcycle safety course.
- Anti-theft device discount: You can save up to 3% if you install an approved anti-theft device on your vehicle or motorcycle.
- Paid-in-full discount: You can save up to 5% if you pay your premium in full at the start of your policy term.
Conclusion
Drivers and passengers with high-risk profiles or non-standard vehicles may get reasonable and flexible coverage with Dairyland Insurance. Dairyland Insurance offers savings, a mobile app, and a lengthy history in the insurance market. Dairyland Insurance offers several limitations, including restricted vehicle insurance coverage choices, no online rates, and mixed customer evaluations. Customers should compare Dairyland Insurance with other insurers to find the greatest fit for their requirements and budget.
