DAIRYLAND CAR INSURANCE REVIEW 2023: All You Need

When it comes to car insurance, Dairyland specializes in high-risk drivers who have had trouble finding it elsewhere because of things like bad driving records. Additionally, you can make payments for your Dairyland car insurance anytime, anywhere, by phone at 800-334-0090, online, or via their mobile app. Dairyland’s car insurance reviews show that they have a higher complaint rate than the market average, so you might be able to get better service from a competitor like State Farm.

Dairyland Car Insurance

Established in 1953, Dairyland provides car insurance to motorists who were unable to obtain standard coverage because of their driving history, lack of experience, or lack of prior insurance. Around 1966, Sentry Insurance bought Dairyland and started offering insurance for motorcycles.

Through its main office in Stevens Point, Wisconsin, Dairyland continues to provide car and motorcycle insurance all across the country. Snowmobiles and motorcycles are just two examples of the many vehicle types for which Dairyland Insurance offers car insurance coverage. The company is a viable alternative for high-risk motorists who may have trouble securing insurance from more established firms.

Dairyland Car Insurance Review

This insurance company has a good name and is available in almost all states, but its score is lower because it is expensive and does not cover a lot of things. Dairyland car insurance is a good option for drivers who have had accidents, DUIs, or other moving violations in the past and are having trouble getting insurance from other companies. However, because of its expensive prices and unfavorable customer service ratings, Dairyland is not the best choice for most drivers. Dairyland provides coverage for auto insurance in 38 states.

Pros

Car insurance for high-risk or unusual drivers
A free SR-22 is available for most customers.
Specialized motorcycle and off-road vehicle insurance
Dairyland has an accessible mobile app
User-friendly website

Cons

Receives more complaints than other insurers
A few discounts on car insurance
Insurance is expensive for most drivers
Policy options are not available in all states

Dairyland Car Insurance Review: BBB Rating

Despite having an A+ rating from the Better Business Bureau, Dairyland’s average customer review rating on the website is 1.1 out of 5.0 stars. Policyholders frequently voice dissatisfaction with the company’s claims-handling procedures. According to some reviews, the business does not respond to customers effectively. Some even talk about fraudulent claims made against drivers for unintentional accidents.

The NAIC rates Dairyland’s customer service as being below average. An insurance company’s NAIC rating is based on how many customer complaints it gets compared to its size. Dairyland’s complaint index stands at 1.41. The number of complaints is 41% higher than average for the sector.

Dairyland Car Insurance Review: Discounts

One advantage of Dairyland, even though it is sometimes more expensive than other insurance options, is the variety of discounts it offers on auto insurance. The discounts that Dairyland currently offers are as follows:

Multi-car Discount: You can save money by getting multiple car insurance from Dairyland.
Advanced Quote: You can save money on your auto insurance if you request a quote at least a week before you need coverage.
Transfer discount: By switching to Dairyland after at least six months of coverage with another provider, you may be able to save money.
Payment frequency discount: You can get a lower rate if you pay your premiums every three, six, or twelve months instead of every month.
Discount for homeowners: In certain states, having renters’ insurance as well as homeowners insurance can result in a financial return.
Discount for defensive driving: You can lower your auto insurance premiums if you have completed a defensive driving school.
Anti-theft discount: Installing an anti-theft device on your vehicle is an additional method of qualifying for a discounted price.

Dairyland Insurance Review: Car Coverage Options

Dairyland, like most other companies in the industry, provides the six most common types of car insurance. A full-coverage policy includes liability coverage as well as comprehensive and collision insurance. They include:

Bodily injury (BI) liability car insurance: This pays for other drivers’ and passengers’ medical bills if you are at fault in an accident.
Property damage (PD) liability insurance: This handles fixing or replacing other people’s cars that were damaged in accidents you caused.
Collision insurance: If your car is involved in an accident, collision insurance will pay for repairs regardless of who was at fault.

Comprehensive insurance: This protects your vehicle from damage due to vandalism, falling tree branches, and floods. It is useful for fixing a broken window or replacing a stolen car.
Personal injury protection (PIP): This is insurance that pays for damages like medical bills, lost wages, and death benefits in no-fault states.
Medical payments coverage (MedPay): This type of insurance covers your passengers and your medical costs, but it does not cover lost income.

Underinsured/uninsured motorist coverage (UIM/UM): When you are involved in an accident with a driver who carries insufficient or no insurance, underinsured/uninsured motorist coverage (UIM/UM) will pay for your medical bills and repairs to your vehicle. This policy will still protect you if you are involved in a hit-and-run.

Additional Car Insurance Coverage in Dairyland

Dairyland provides several optional extras for car insurance, in addition to the standard coverage options.

Coverage for special equipment: This includes any aftermarket accessories and other modifications you make to your car after buying it.
Towing coverage: In the event of a car crash, having towing coverage in place will ensure that your vehicle is transported safely to a repair facility.
Rental reimbursement coverage: It assists you in covering the cost of a rental car if you are forced to go without a car for an extended length of time.
Lienholder coverage: This insurance can assist in partially covering the costs if a car you are leasing or purchasing is totaled before it is paid off. Additionally, this can help you save money if your deductible is low.

Insurance for SR-22s: This type of insurance covers drivers who need a specific SR-22 form to follow state laws and their sentences.
Non-owner insurance: This protects you if you hurt someone or damage someone else’s property while driving a car that you do not own.

Dairyland Motorcycle Insurance

They offer insurance for a range of motorcycles, such as cruisers and sports bikes. Coverage options include

Liability
Collision
Comprehensive
Optional or special equipment coverage
Replacement cost coverage
Roadside assistance

In addition, Dairyland offers discounts on motorcycle insurance to policyholders who have multiple bikes or who own their own homes.

Dairyland Off-Road Vehicle Insurance

Dairyland provides coverage for ATVs, mopeds, dirt bikes, and snowmobiles, so you can stay safe and enjoy your off-road adventures. Off-road insurance is a crucial extra precaution to take when engaging in potentially risky activities.

Having off-road coverage may be obligatory if you reside in a city that permits four-wheeling on main roads. While Dairyland does offer some off-road insurance discounts, not all vehicles qualify for them, and the discounts change from state to state.

Dairyland Car Insurance Payment

If you are a Dairyland car insurance customer, you can make payments at any time, day or night, over the phone, online, or via the mobile app, at no additional cost.

The pay-as-you-go insurance plan that Dairyland offers provides its customers with the flexibility to pay their premiums on a month-to-month basis, which some clients may find to be a more cost-effective choice. It is possible to save money by paying your premium quarterly, semiannually, or annually instead of all at once. Dairyland car insurance accepts payments through its website or mobile app.

Existing customers can access their policy documents, make payments, and print ID cards all from the convenience of their computer or mobile device by logging into their “My Dairyland accounts” on the website or using the Dairyland car insurance app.

Dairyland Insurance Customer Service Hours

You can reach customer service at Dairyland Car Insurance any time of the day or night by dialing 1-800-334-0090. When you need to speak with someone about a claim, dial this number to reach Dairyland’s 24-hour customer service. However, there are only certain times of day during which you can reach Dairyland’s customer service to inquire about the quote.

The working hours for this are Monday through Friday, 6:00 a.m. to 9:00 p.m. Central Time (CT). You can call on Saturdays between the hours of 7:00 a.m. and 6:00 p.m. Central Standard Time. Dairyland Insurance offers 24/7 access to real people who can help with any questions or concerns you may have.

You may call Dairyland car insurance at 800-334-0090 or fill out their online form with any policy-related inquiries, payments, or claims you may have. Dairyland’s search function or their toll-free number, (877) 308-1031, will put you in touch with a local agent who can provide you with a free auto insurance quote.

Negative and positive reviews from customers show problems with customer service and handling claims.

Dairyland Insurance Competitors

USAA and Geico are two competitors to Dairyland car insurance that may be better suited to your requirements if you are not satisfied with their coverage.

#1. USAA

The company has consistently low rates for most types of drivers, a history of providing excellent customer service, and a comprehensive range of discounts. It consistently receives high marks from J.D. Power and other experts in the field. USAA offers auto insurance to those who are either currently serving in the military, have served in the past, or are the spouse or child of a service member.

#2. Geico

Geico offers some of the lowest rates in the country and a wide variety of discounts to help customers save even more money. Those with spotless driving records who shop for car insurance with this provider may find favorable terms.

#3. Progressive

This insurance provider is one of the largest personal car insurance companies in the United States. This company is a top competitor and may be a good choice for responsible drivers looking for policies in regions that Dairyland car insurance does not cover.

Is Dairyland Insurance Good?

In addition to providing SR-22 insurance and non-owner insurance, Dairyland may be a viable choice for individuals with a history of poor driving. Insurance for cars and motorcycles from Dairyland is pricey, and the company gets bad marks for customer service. That is why people who drive cars or motorcycles should get quotes from more than one company.

Who Is the Owner of Dairyland Insurance?

Sentry Insurance owns Dairyland Insurance. Dairyland began as a separate business in 1953, but its parent eventually acquired it in 1966.

Why Did My Dairyland Insurance Go Up?

Several factors could lead to a rise in your Dairyland insurance premiums, including:

New violations or tickets
New accidents
New location
A new vehicle on a policy
A new driver on a policy
Inflation
Age

Is Dairyland Insurance Peak property?

Sentry Insurance bought Dairyland Insurance in 1966. Sentry may also use its other insurance companies, including Viking Insurance Co. of Wisconsin, Peak Property and Casualty, and a few others, to provide coverage for Dairyland.

How Many States Is Dairyland Insurance In?

You can only get car insurance in 38 states. Additionally, the business provides insurance for motorcycles, which can be bought in all states except Alaska and Hawaii.

What Are the Two Largest Insurance Companies in the US?

As of right now, State Farm is America’s largest auto insurance provider. Leading brands in the industry like State Farm, Geico, Progressive, Allstate, and USAA lead this list of auto insurance companies.

Conclusion

When compared to other insurance providers, Dairyland car Insurance’s high rates, low-quality customer service ratings, and mediocre range of coverage options make it a poor choice for most motorists. On the other hand, it may be a more viable choice for drivers without much experience behind the wheel or those with bad driving histories. If you want to find an insurance provider that fits your needs and your budget, you need to shop around and compare quotes from different providers.