Dairyland Insurance Review & Ratings (2024)

If you’re a high-risk driver in need of auto or motorcycle insurance, Dairyland might be the best company for you. High-risk insurance can be tricky, so you should compare quotes with as many companies as possible to find the best rates.

If you’re interested in Dairyland insurance, your first step should be to shop around. Enter your ZIP code into our free tool to see what quotes might look like for you.

What You Should Know About Dairyland

Welcome to our comprehensive guide on Dairyland Insurance and everything you need to know about their coverage options. In this article, we’ll explore the various insurance products offered by Dairyland, including auto insurance, motorcycle insurance, and SR-22 insurance. We’ll discuss the key features, discounts, and customer reviews to help you make an informed decision.

• Dairyland specializes in auto and motorcycle insurance for high-risk drivers
• A.M. Best gives this provider an A+ rating for financial strength, but there are a lot of customers unhappy with their service
• Complaints about Dairyland involve the speed at which claims are paid out, the overall claims process, and general delays with settlements

Are you ready to find the best rates and coverage for your insurance needs? Enter your zip code now and compare quotes from the top insurance providers in your area. Don’t miss out on the opportunity to save and secure reliable insurance coverage.

Dairyland Insurance Coverage Options

Dairyland offers traditional car insurance options, as well as add-ons you can purchase to customize your policy. To start, check below to see what insurance plans Dairyland offers.

• Liability. Most states require that you carry liability insurance, which pays for damage you cause to property and people.
• Comprehensive. Comprehensive coverage is not required by any states, but it’s probably required by your loan or lease lender if you don’t own your car. This coverage protects you from damage outside of accidents, like vandalism, theft, and weather.
• Collision. Another type of coverage that isn’t legally required, collision will help pay for repairs to your car no matter who is at fault after an accident.
• Underinsured/uninsured motorist. Although most states require insurance, not all drivers follow the law. Underinsured/uninsured insurance protects you from drivers with inadequate insurance.
• Personal injury protection and medical payments. Some states require that you carry additional medical protection insurance in case you or your passengers are injured in a car accident.

If you need or want full coverage to give your car the most protection possible, you’ll need liability, collision, comprehensive, and underinsured/uninsured motorist. It costs more, but full coverage protects your vehicle from almost but

Does Dairyland Offer Motorcycle Insurance?

While Dairyland has plenty of happy auto insurance customers, it is most famous for its motorcycle policies. Not only does Dairyland motorcycle insurance provide great coverage, it understands it also celebrates the bike lifestyle by celebrating National Motorcycle Day with charity work.

For motorcycle insurance, Dairyland offers the same options as auto coverage: liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, and medical payments.

Dairyland’s insurance won’t surprise you with their innovations, but they have several add-ons you can buy.

• Towing and labor. Just like the car insurance option, this will get your motorcycle towed to a nearby mechanic’s shop.
• Rental reimbursement. After an accident, your bike might be stuck at the mechanic for repairs. If that’s the case, Dairyland will reimburse you for a rental while you wait for your ride back.
• Special equipment. If you customize your motorcycle with unique paint jobs, tires, modifications, or electronic additions, you can cover them with this add-on.

It’s not the most extensive list of insurance options, but it does provide you with the insurance you need to keep you and your bike safe on the streets.

Dairyland Insurance Rates Breakdown

It’s important to note that insurance rates are complex and individualized, and the interplay of these factors can vary for each policyholder.

• Driving History: The individual’s driving history plays a significant role in determining insurance rates. High-risk drivers with a history of accidents, traffic violations, or DUIs may experience higher premiums.
• Type of Coverage: The choice of coverage options, including liability, collision, comprehensive, and additional add-ons, directly influences the overall premium cost. Full coverage with comprehensive protection is likely to result in higher premiums.
• Vehicle Type: The make and model of the insured vehicle contribute to the premium calculation. More expensive or high-performance vehicles may incur higher insurance costs.
• Location: The geographical location of the insured individual can impact rates. Areas with higher accident rates, crime rates, or extreme weather conditions may have higher insurance premiums.
• Age and Gender: Younger and less experienced drivers often face higher insurance rates. Additionally, gender may be a factor in some regions, with certain demographics being charged different rates.
• Discount Eligibility: Discounts offered by Dairyland, such as safe driver discounts, multi-policy discounts, or special discounts for motorcycle club members or Harley Davidson owners, can significantly affect the overall cost of insurance.
• Credit History: In some regions, insurance companies consider the individual’s credit history as a factor in determining rates. A positive credit history may lead to lower premiums.

To obtain the most accurate and personalized rate information, individuals should contact Dairyland Insurance directly or use their online tools to request a quote.

Is Dairyland Insurance Affordable?

Dairyland specializes in high-risk drivers, which means that its customers file more claims than the typical insurance company. Because of this, Dairyland’s rates are usually higher. If you are not a high-risk driver, you can probably find cheaper options.

Dairyland is much more expensive for drivers with clean records compared to competitors. However, you might save money with this company if you are a high-risk driver.

Dairyland Discounts Available

While most drivers expect a list of discounts to help them save money on their policies, high-risk insurance companies often lack options. Dairyland does not have that problem. Check below to see what discounts you might be eligible for.

• Multicar. If you have more than one car in your household and put them on the same policy, you might be eligible for this discount.
• Earlier signer. Earn this discount by signing up for a new policy at least seven days before your previous plan expires.
• New customer. If you have car insurance with another company for at least six months before you switch to Dairyland, you’ll probably save money.
• Anti-theft devices. Anti-theft devices such as GPS trackers, kill switches, and audible alarms protect your car from theft. They also might get you a discount on your insurance.
• Driver education. Complete an approved driver education course and earn a discount. You’ll likely need to repeat the course every few years for the discount to stay active.
• Policy bundling. Dairyland offers home and renter’s insurance on top of auto and motorcycle. Bundle multiple policies to earn this discount.
• Paid in full. You can save money on your total bill by paying quarterly, semiannually, or annually. As long as your payments are higher than the minimum payment, you’re probably eligible for this discount.

Although this list isn’t as extensive as larger companies, you’ll likely be eligible for multiple discounts. When you sign up for a Dairyland insurance policy, an agent will go through your information and make sure you get every discount you’re eligible for.

Dairyland Insurance: Streamlined Claims Process for Easy Resolution and Payouts

Ease of Filing a Claim

Dairyland Insurance offers multiple convenient options for filing a claim, ensuring a hassle-free experience for its customers. Policyholders can file claims through an online platform, over the phone, or via mobile apps, providing flexibility and accessibility in the claims reporting process.

Average Claim Processing Time

The average claim processing time with Dairyland Insurance is a crucial factor for policyholders seeking swift resolutions. Dairyland Insurance emphasizes efficient claim processing, aiming to provide a timely assessment and settlement of claims to meet customer expectations and needs.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts is invaluable in assessing the overall satisfaction with Dairyland Insurance. Reviews from policyholders shed light on the effectiveness of the claims process, including the fairness and promptness of claim resolutions and payouts, allowing potential customers to make well-informed decisions.

Dairyland Insurance: Elevating Customer Experience Through Digital and Technological Features

Mobile App Features and Functionality

Dairyland Insurance offers a comprehensive mobile app with a range of features designed to enhance customer experience. The app provides functionalities such as policy management, claims filing, payment processing, and access to digital insurance documents, ensuring convenience and accessibility on the go.

Online Account Management Capabilities

Dairyland Insurance offers robust online account management capabilities, enabling policyholders to conveniently manage their policies, view coverage details, make payments, and update personal information through a user-friendly online portal. This enhances the ease and efficiency of managing insurance policies.

Digital Tools and Resources

Dairyland Insurance provides digital tools and resources to assist policyholders in understanding their coverage and making informed decisions. These resources may include online calculators, educational content, FAQs, and other digital tools aimed at enhancing customer knowledge and confidence in their insurance choices.

How Dairyland Ranks Among Providers

Dairyland Insurance has both strengths and weaknesses, and its ranking among other insurance providers can depend on specific factors that are important to individual policyholders. Here’s an elaboration on how Dairyland Insurance might be perceived relative to other providers:

• Specialization in High-Risk Drivers: Dairyland’s specialization in providing insurance for high-risk drivers can be a significant strength for individuals who may face challenges obtaining coverage from standard insurers. For those with a history of accidents or violations, Dairyland’s focus on this market segment could make it a preferred choice.
• Motorcycle Coverage: Dairyland is renowned for its motorcycle insurance policies, offering a range of coverage options. For motorcycle enthusiasts, particularly those who own Harley Davidson bikes, Dairyland’s specific discounts and coverage options may make it a top choice.
• Add-On Options: The availability of add-on options for both auto and motorcycle insurance policies allows customers to customize their coverage based on their specific needs. This flexibility could be attractive to those who want more tailored insurance solutions.
• SR-22 Assistance: For high-risk drivers requiring an SR-22 form, Dairyland’s provision of assistance in obtaining and filing this documentation can simplify the process, making it easier for individuals who need this form to fulfill legal requirements.
• Mobile App and Online Account Management: The comprehensive mobile app and online account management capabilities enhance the overall customer experience, providing convenience and accessibility for policyholders to manage their policies, file claims, and access digital documents.
• Financial Strength: Dairyland has received a favorable financial strength rating (A+) from A.M. Best, indicating strong financial stability. This can be reassuring for customers concerned about the insurer’s ability to meet its financial obligations.

In summary, Dairyland Insurance may rank favorably among other providers for certain customer segments, such as high-risk drivers or motorcycle enthusiasts.

Dairyland Reviews

The National Association of Insurance Commissioners notes that Dairyland has lower customer service ratings than the national average. Most complaints against Dairyland involve claims processing speeds, late payments after a claim, and a general sense that Dairyland delays settlements.

On the other hand, Dairyland earns solid rankings from professional insurance rating companies. A.M. Best gives Dairyland an A+ for its financial strength.

Dairyland customers report a lot of dissatisfaction with the claims process and the price of their insurance. However, most customers find the ease of the website to manage their accounts with a simple Dairyland insurance login to be very convenient. Customers also like that there are several options to pay their bills. You can always log in to the site or call the Dairyland insurance payment number.