Dairyland Insurance Services of Wisconsin was established to meet the high-risk driver needs. Their non-standard SR-22 coverage provides additional specialty features such as rental reimbursement and anti-theft protection.
Sentry Insurance Group operates under their subsidiary brand Sentry Direct. Their financial strength rating and customer reviews are top tier; in addition to providing discounts such as multi-car, transfer discount, payment frequency options and payment frequency discounts for their policies.
What is Dairyland?
Dairyland Insurance Group specializes in non-standard car policies for drivers classified as high-risk by other insurers, as well as motorcycle and home coverage for such drivers. Dairyland was acquired by Sentry Insurance Group and holds an A+ rating with Better Business Bureau; additionally, third-party review organizations Trustpilot and Google also give this insurance provider favorable marks.
In the 1950s, a University of Wisconsin-Madison professor founded Dairyland to offer auto insurance coverage for inexperienced drivers with poor records or who couldn’t access standard coverage. Sentry Insurance Group acquired Dairyland Mutual Automobile Insurance Company in 1966; Sentry still writes nonstandard automobile policies across 38 states while also providing high-risk coverage known as an SR-22 policy – something most states require of drivers identified as high risk.
While Dairyland may not be at the top of most drivers’ lists, they still enjoy positive customer reviews and competitive rates. Bankrate rated Dairyland with 3.0 out of 5, which puts its prices higher than most competitors but still allows it to provide above-average service with 24/7 support and mobile apps available to drivers.
Dairyland auto insurance’s distinguishing feature is its towing and labor coverage, which helps get your vehicle to a repair shop, rental reimbursement coverage while yours is in the shop, special equipment coverage such as aftermarket stereos or rims and special equipment protection – features which set this company apart.
Dairyland auto insurance features several key elements, including personal liability coverage that reimburses any damages and injuries sustained in an accident caused by you; comprehensive and collision coverage to pay for damage to your vehicle; lienholder protection that covers loan costs in case you default payments; as well as usage-based discounts which use data about how you drive to calculate a driving score and provide discounts based on that score. Unfortunately, Dairyland does not currently offer usage-based policies that use this data to calculate an individual driving score and award it accordingly.
Notable car insurance providers include GEICO, which is available nationwide and offers discounts when bundling auto and homeowners policies; State Farm is a large national carrier with solid financial strength ratings; while Allied is known to specialize in non-standard coverage – insuring Hell’s Angel members.
Auto Insurance
Dairyland provides various auto insurance policies, from liability and comprehensive to liability only and gap. An Insurify analysis shows that full coverage costs on average $186 a month on average; however, rates differ for different drivers: drivers with clean records pay less due to underwriting income collected from premiums over claims paid out and operational expenses; this difference can then be invested into low-risk investments to cover any potential losses.
Dairyland enjoys an outstanding reputation with independent review sites like Trustpilot and ConsumerAffairs, earning high ratings for customer service and affordable pricing. Customers frequently praise friendly and professional customer service representatives, reasonable rates, and an easy application process; however, keep in mind that auto insurance markets can be highly saturated; you may find better offers elsewhere.
Insurify offers quotes from Dairyland and other top-rated car insurers so you can compare options and secure the best possible coverage at the most reasonable cost. Bundling home and auto policies together may reduce rates further; other considerations might include your vehicle’s safety rating, driving history and mileage covered.
Dairyland does not sell rideshare insurance policies like Lyft or Uber do, and also does not sell usage-based insurance (UBI), which uses data collected by your vehicle to calculate rates based on driving behaviors such as acceleration, braking, miles driven, phone use while driving and time of day spent on the road. Dairyland does provide other specialized auto policies though; such as dirt bike coverage for motocross, trail, hill climb and enduro bikes as well as snowmobile insurance as well as coverage for specialty equipment coverage needs.
Motorcycle Insurance
Dairyland Motorcycle insurance has been available since it began operating as a specialty insurer for high-risk drivers in 1953, initially providing roadside assistance and rental reimbursement coverages to motorcyclists. Furthermore, customers can add special equipment coverage that covers repairs on customized parts and accessories and loan/lease gap coverage with first accident forgiveness to help save riders money.
Customers who have reviewed Dairyland motorcycle insurance have noted the company is generally easy to work with and offers competitive rates, though some have voiced concerns over its claims process; Dairyland’s complaint index surpasses 1.0, meaning more complaints than an average insurance company of its size are lodged against it.
Sentry Insurance Company has been operating for decades and boasts an excellent reputation. They offer auto, home and motorcycle policies in 42 states with coverage from Wisconsin where they were founded to accommodate those who may otherwise find it hard to access coverage elsewhere. Eventually they were purchased by Sentry who expanded their offerings with motorcycle policies as well.
Dairyland provides competitive quotes for nonstandard drivers looking for motorcycle coverage. Their standard auto policy offers collision and comprehensive coverage – paying to repair damages caused by collision with another car or object as well as theft, natural disasters and vandalism damage – while the optional Physical Damage Plus add-on protects against accidents by replacing damaged parts with original equipment manufacturer (OEM) parts.
Keep in mind that not all Dairyland discounts and policies are available in all states; to check availability by state visit their website. Some states require SR-22 insurance; Dairyland will usually file this form electronically without charging a filing fee; further discounts include loyalty discounts for Harley owners or riding groups as well as paperless billing with Arbor Day Foundation planting a tree with every customer who goes paperless!
Home Insurance
Dairyland Insurance Group may be best known for providing nonstandard car policies, but the company also provides homeowners and renters policies. Homeowners policies from Dairyland provide optional protection for watercrafts, valuables and personal liability; renters policies from Dairyland may be mandated by landlords or offered as an added convenience for tenants.
Dairyland Auto Insurance provides standard coverage as well as add-on options, including towing and labor coverage, special equipment coverage for custom parts, lienholder policy to help cover cost of an automobile loan in case of total loss, as well as gap insurance to fill financial gaps between what you owe on loan or lease agreement and payout in event of total loss through accident or fire. Teen driver programs are available, while lienholder policies help cover loan cost should a total loss occur. Dairyland also provides gap coverage to bridge any financial gaps between what owe on loan or lease agreement and what your claim payout will be.
Dairyland provides basic auto insurance as well as various discounts. Drivers with multiple cars or an excellent driving record may qualify for discounts; those paying by direct deposit can save an extra 5%. Furthermore, Dairyland offers a mobile app – though reviews of it have been mixed – which makes payments or access ID cards available directly on it.
Dairyland also provides various other policies, including motorcycle and off-road coverage such as policies for ATVs, dirt bikes, snowmobiles and snowmobils. Furthermore, commercial vehicle insurance and workers compensation coverage is also available from Dairyland.
Dairyland may not be one of the largest property and casualty insurers, but they do boast a strong customer service record. Their claims are processed quickly, while agents are well known for their expertise. It’s wise to compare rates from multiple providers as your specific driver profile can alter how much you pay – State Farm may often be more cost effective; however they do not provide gap insurance and have lower customer satisfaction ratings according to independent review sites; on the plus side they do boast an A.M. Best rating as well as JD Power rankings that ranks them highly for customer satisfaction and financial strength ratings respectively.
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