Daiyland Insurance: Auto and Motorcycle Coverage

Dairyland Insurance is known for having auto insurance coverages for different types of vehicles like motorcycles and snowmobiles.

The company is also a good option for high-risk drivers who may struggle to get affordable coverage from larger providers.

Dairyland Insurance serves as a viable choice for individuals facing challenges in obtaining policies from other auto insurance providers, often due to past accidents, DUIs, or traffic violations on their records.

However, for the majority of drivers, Dairyland might not rank as a preferred option primarily due to its elevated rates and less favorable customer service feedback.

Pros and Cons of Dairyland Insurance

Here are some advantages and disadvantages of Dairyland’s insurance options:

Advantages:
– Enhanced coverage options available for motorcycles and off-road vehicles
– Convenient and user-friendly website interface
– Earned favorable ratings from industry specialists

Disadvantages:
– Costlier compared to the national average
– Limited availability of coverage add-ons

Dairyland Insurance Rates and Discounts

Our team couldn’t locate specific information regarding the exact rates of Dairyland auto insurance policies.

However, since Sentry Insurance typically underwrites most casualty coverage policies for Dairyland, looking at Sentry’s average rates for full-coverage and minimum-liability car insurance can provide an estimate of what you might pay for Dairyland premiums.

Here are the national monthly and annual averages of full-coverage and minimum-liability policies from Sentry Insurance:

Type of Coverage	Monthly Average	Annual Average

Sentry’s national average for full-coverage car insurance is almost double the national average of $2,008 per year. Similarly, the national average for minimum-liability coverage is $627 annually.

These figures are based on the profile of a 35-year-old driver with good credit and a clean driving record.

Dairyland typically offers competitive rates for drivers considered high risk by insurers. These include drivers with multiple speeding tickets, at-fault accidents, or DUI convictions on their driving records.

As high-risk drivers often struggle to find insurance from other providers, Dairyland could be a viable option.

Dairyland Car Insurance Discounts

Despite Dairyland’s tendency to offer pricier insurance, it does provide an array of car insurance discounts aimed at reducing premiums. Here’s a breakdown of the discount options available from Dairyland:

1. Multi-car discount: Insuring more than one vehicle with Dairyland can result in cost savings.
2. Advanced quote discount: You may qualify for a discount on your car insurance premium if you obtain a quote at least a week ahead of when coverage is needed.
3. Transfer discount: Switching to Dairyland from another carrier after maintaining insurance with them for a minimum of six months could lead to savings.
4. Payment frequency discount: Opting to pay quarterly, semi-annually, or annually instead of monthly premiums can earn you a discounted rate.
5. Homeowners discount: Having homeowners insurance, or renters insurance in select states, can make you eligible for savings.
6. Defensive driving discount: Completing a defensive driving course may qualify you for a discount on your auto insurance.
7. Anti-theft discount: Installing an anti-theft device in your car is another way to secure a discounted rate.

Types of Motorcycles Covered by Dairyland

Dairyland motorcycle insurance provides coverage for a wide range of motorcycle types, including cruisers, standards, touring bikes, sport-touring bikes, dirt bikes, trikes, sportbikes, dual-purpose bikes, autocycles, and mopeds/scooters.

Each owner can tailor their motorcycle insurance package to suit their specific needs.

Regardless of the type of motorcycle, Dairyland offers support and service alongside its coverage.

Additionally, owners have the option to enhance their protection with specialized coverage products for optional equipment and genuine part replacements. It’s important to note that requirements may vary depending on the state of residence.

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