Dairyland Car Insurance Review 2024 Dairyland is a car insurance provider that focuses on offering coverage to drivers who have faced challenges in obtaining it elsewhere, such as those with poor driving records or limited experience on the road. While this can be a great option for drivers who struggle to find affordable and accessible insurance, it’s important to note that Dairyland has a higher-than-average complaint level compared to other providers in the industry. As such, it’s crucial for potential customers to carefully consider their options and weigh the potential benefits and drawbacks before making a decision.
Dairyland Car Insurance Review 2024
Dairyland Car Insurance is a popular choice for many drivers, offering a range of coverage options and competitive rates. In this 2024 review, we will take an in-depth look at the pros and cons of Dairyland Car Insurance to help you make an informed decision. One of the standout features of Dairyland is their flexible payment options, allowing customers to choose from monthly, semi-annual, or annual payments.
This can be a convenient option for those who prefer to budget their insurance payments. Additionally, Dairyland offers a variety of discounts, including safe driver discounts and multi-vehicle discounts, which can help to lower your premium. However, it’s important to note that Dairyland may not be available in all states, so it’s worth checking if they operate in your area before getting a quote. Overall, Dairyland Car Insurance provides reliable coverage with competitive rates and flexible payment options, making it a strong contender for drivers looking for affordable car insurance.
Pros & Cons
Dairyland car insurance has its pros and cons, just like any other insurance provider. One of the main advantages of Dairyland is its affordability, making it a popular choice for drivers on a budget. The company also offers flexible payment options, which can be convenient for those who prefer to pay their premiums in installments. However, one downside to Dairyland is that it may not offer as many coverage options or discounts as some other insurance companies. Additionally, customer service reviews have been mixed, with some policyholders expressing frustration with the claims process and difficulty in reaching a representative. It’s important to carefully consider your specific needs and preferences when choosing car insurance and to compare multiple providers before making a decision.
Pros
- Good for drivers who have a poor driving record and/or are inexperienced drivers.
- Does not charge a filing fee for an SR-22.
- Offers non-owner car insurance for those who don’t have vehicles..
- Offers a special equipment coverage add-on for custom parts such as rims and stereo systems.
Cons
- Complaint level is higher than the industry average.
- Does not have a usage-based insurance program to help reduce costs.
- Does not offer rideshare insurance.
- Earned a C grade from the CRASH Network for collision claim procedures.
About Dairyland Car Insurance
Dairyland was established in 1953, providing car insurance to drivers with inadequate driving records, limited driving experience, or no previous insurance coverage. Sentry Insurance acquired Dairyland in 1966 and expanded its offerings to include motorcycle insurance. Based in Stevens Point, Wisconsin, Dairyland now provides nationwide coverage for motorcycle and car insurance.
Dairyland Car Insurance
Dairyland offers various types of car insurance coverage to their customers. Some of these options include liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. Each of these coverages provides different benefits and protections for drivers, depending on their individual needs and circumstances. Dairyland is committed to providing affordable and reliable insurance options for drivers across the United States.
Liability Car Insurance
This includes damage to property and injuries caused accidentally to others. It also includes the expenses for legal defense, settlements, and court decisions if you are sued due to a car accident.
Comprehensive Insurance
Comprehensive insurance covers the cost of repairing or replacing your vehicle in the event of damage caused by fires, floods, vandalism, theft, collisions with animals, and falling objects. The maximum payout for comprehensive insurance is the actual cash value of the vehicle after deducting the deductible if it is declared a total loss.
Collision Insurance
Collision insurance provides coverage for replacing or repairing your vehicle following an accident, regardless of fault. This type of insurance also includes coverage for collisions with stationary objects such as a fence or telephone pole. Collision and comprehensive insurance are optional and are commonly bundled together, but they are typically mandatory if you have a loan or lease. The maximum payout for collision insurance is the actual cash value of your vehicle, minus the deductible.
Uninsured/Underinsured Motorist Insurance
Uninsured motorist insurance is mandatory in certain states and discretionary in others, providing coverage for medical expenses and additional costs in the event of a collision with a driver who lacks sufficient liability insurance.
Personal Protection Insurance (PIP)
PIP provides coverage for medical expenses for both you and your passengers, regardless of fault. It is mandatory in certain states, elective in others, and not offered in some states.
Medical Payments Insurance
Medical expenses for you and your passengers are covered, regardless of who is at fault in the car accident. This type of coverage is typically offered in small increments ranging from $1,000 to $5,000 and may not be accessible in every state.
Additional Coverage Options
Dairyland Insurance offers various additional coverage options to complement their primary insurance policies. These options include roadside assistance, rental reimbursement coverage, and custom equipment coverage for motorcycles. They also offer discounts for safe riders and multi-policy holders. With these additional coverage options, Dairyland aims to provide a comprehensive insurance experience that can cater to the unique needs of each customer.
- Rental reimbursement insurance. In the event that your car is undergoing repairs or replacement as a result of a covered issue (such as a car accident), rental reimbursement car insurance covers the cost of a rental vehicle, up to the specified dollar limits in your policy.
- Special equipment. Your policy covers customizations to your car in case they are damaged as a result of a covered issue, such as a car collision. This encompasses custom components like rims, spoilers, and stereo systems.
- Towing and labor coverage. This includes the payment for towing your vehicle to the closest service station in case your vehicle is inoperable.
Auto Insurance Complaints Against Dairyland
Dairyland, a popular auto insurance provider, has reportedly received a higher number of complaints compared to the industry average. A significant number of these complaints are related to claim delays, handling issues, and denials. These complaints have come from customers across different states who have reported their experiences to state insurance departments. It is important for consumers to carefully consider such data when evaluating their options for auto insurance providers to ensure they receive reliable and efficient service in case of an accident or damage.
Dairyland’s Grade from Collision Repair Professionals: C
According to a survey conducted by the CRASH Network, Dairyland received a C grade from collision repair professionals, which was influenced by the score of its parent company, Sentry Insurance. The perspectives of auto body professionals are valuable as they observe how insurance companies differ in utilizing lower-quality repair parts, promoting repair procedures by car manufacturers, and facilitating fast and satisfactory claims processes for customers.
What Does Dairyland Car Insurance Cover?
Dairyland car insurance provides gap insurance and SR-22 forms, but if you need coverage options like accident forgiveness, a decreasing deductible, or rideshare insurance, you’ll have to search elsewhere.
Does Dairyland Offer Accident Forgiveness?
Dairyland does not provide accident forgiveness insurance. Certain insurance companies permit you to include this coverage in your policy to safeguard your expenses from rising following an accident.
Does Dairyland Offer a Diminishing Deductible?
Unfortunately, Dairyland does not provide a diminishing deductible option. Some insurance providers offer this feature as an additional add-on, allowing policyholders to gradually decrease their car insurance deductible for each accident-free policy period. For instance, safe drivers may earn a $100 deduction from their deductible for every year without an accident. While some insurers impose limits on the deductible reduction, others may allow it to reach $0.
Does Dairyland Offer Gap Insurance?
Dairyland does provide gap insurance, which is an additional coverage that assists in bridging the difference between the amount you owe on your car lease or loan and the claim payout in the event of a total loss due to a covered accident, like a fire or car collision. This type of insurance is beneficial for drivers who have outstanding car debts exceeding the current value of their vehicle.
Does Dairyland Offer New Car Replacement?
Dairyland does not offer new car replacement insurance, which typically provides reimbursement for a new car of similar make and model rather than the depreciated value in the event of a total loss covered by the policy.
Does Dairyland Offer SR-22s?
Dairyland provides SR-22 insurance, also referred to as a Certificate of Financial Responsibility, which is a court-ordered form demonstrating that a driver has met the state’s minimum insurance requirements. You might need to obtain an SR-22 for various reasons.
- A serious traffic violation like a DUI conviction or reckless driving
- Repeated traffic violations, such as multiple speeding tickets
- Too many car accidents
- Your license was revoked or suspended
- You were caught driving without car insurance
When purchasing your policy, inform Dairyland if you require an SR-22. Dairyland can typically electronically submit your SR-22 to the state on the same day without any filing fee.
Does Dairyland Offer Rideshare Insurance?
Dairyland does not offer insurance for rideshare drivers. If you work for a rideshare company such as Lyft or Uber, there may be a coverage gap between your personal car insurance and the insurance provided by the rideshare company. Rideshare insurance is designed to bridge this gap.
Does Dairyland Offer Usage-Based Insurance?
Dairyland does not offer usage-based insurance (UBI). Some insurance companies provide UBI programs that determine your auto insurance premiums by analyzing your driving behavior, such as acceleration, speed, aggressive braking, mileage, distracted driving, and the time of day you drive. This information is gathered through a device installed in your car’s OBD-II port or a smartphone app, and then used to calculate a driving score. A good score could result in a discount on your car insurance.
Does Dairyland Offer Pay-Per-Mile Insurance?
Dairyland does not provide pay-per-mile insurance. Some insurance companies provide this type of insurance, which determines your costs based on your mileage, making it suitable for drivers who don’t drive much. Insurers offering pay-per-mile insurance typically use a daily rate and mileage rate to determine your overall insurance expenses.
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Dairyland Auto Insurance Discounts
Dairyland offers various discounts to its customers. Some of these discounts include safe rider discounts for those who have taken a motorcycle safety course, multi-bike discounts for those insuring more than one motorcycle, and homeowner discounts for those who own a home or condo. Additionally, Dairyland offers military discounts for active-duty and retired military personnel. It’s important to speak with a representative to determine which discounts you may qualify for and how much you can save on your insurance policy.
- Advanced quote discount: If you request a car insurance quote at least a week before your current policy expires, you could get a discount.
- Anti-theft discounts. You may qualify for a discount if your car has an anti-theft device.
- Defensive driving discount. You can earn a discount if you take an approved defensive driving course.
- Homeowners insurance discount: If you own a home and have it insured, you could qualify for a discount. If you have renters insurance, you could qualify for a discount in some states.
- Multi-car discount: You can get a discount if you insure more than one car on your policy.
- Payment frequency discount: You can get a discount if you make your car insurance premium payments quarterly, every six months or annually.
- Transfer discount: If you have a car insurance policy with another insurer for at least six months, you can get a discount if you transfer to Dairyland, depending on your state. You could qualify for a discount even if you’ve had a small lapse in coverage (you will need to provide a copy of your most recent declarations page).
More Insurance from Dairyland
In addition to car insurance, Dairyland provides a range of other insurance options to its customers. These include motorcycle insurance, SR-22 insurance, non-owner car insurance, and renters insurance. Dairyland’s motorcycle coverage is designed to protect riders with flexible payment options and discounts for experienced riders or those who have completed safety courses. The company’s SR-22 insurance helps drivers meet state requirements for high-risk auto insurance, while non-owner car insurance is ideal for drivers who do not own a vehicle but still need liability coverage. Finally, Dairyland’s renters insurance offers protection for personal belongings in the event of theft, fire, or other covered losses.
- Motorcycle insurance
- Off-road insurance (such as ATVs, dirt bikes and snowmobiles)
Dairyland Insurance Mobile App
Dairyland’s mobile application assists policyholders in effectively handling their automobile insurance. The app allows users to carry out various tasks.
- Access your insurance ID card
- Get bill alerts and make payments
- Get your policy documents
- Review your coverage details
Summary
Dairyland Car Insurance is a reliable and trusted provider that offers comprehensive coverage for your vehicle. With their competitive rates and excellent customer service, they have established themselves as a top choice for car insurance. Whether you’re a new driver or have years of experience on the road, Dairyland has policies tailored to meet your specific needs. Don’t wait any longer to protect yourself and your vehicle – get a quote from Dairyland today and experience the peace of mind that comes with having quality car insurance. The Bottom Line: Dairyland Insurance Review. Dairyland Insurance is not a great option for most drivers because of its high insurance costs, poor customer service ratings and about average coverage selection. However, for new drivers and those who have extensive driving records, it can be a more competitive option.
Faqs on Dairyland Car Insurance Review
How do you get a quote from Dairyland?
You can get a quote for auto insurance online or over the phone, although the contact number will vary based on where you live.
In what states does Dairyland sell auto policies?
Auto insurance policies are available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
How do you file a claim with Dairyland?
You can file an auto claim over the phone by calling 800-334-0090.
