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Dairyland Auto Insurance Review

Friday, 08 November 2013 18:09

Dairyland Insurance is a subsidiary of Sentry Insurance and specializes in offering auto insurance to the non-standard driver market along with standard motorcycle insurance in 42 states. Dairyland insures drivers that are considered high risk such as those with DUIs and multiple moving violations, bad credit, drivers with multiple accidents and other drivers that might be considered a higher than normal risk. Dairyland markets its auto insurance to these drivers but sells motorcycle insurance to all types of drivers. Dairyland has several positive reviews for its motorcycle coverage, but its auto coverage has received less favorable reviews. For insurance seekers who may have difficulty getting insurance from other providers, Dairyland offers insurance options and may be considered as a viable alternative to other insurers.

Company Background Information

Dairyland was founded in 1953 with the name Dairyland Mutual Insurance Company and was purchased in 1966 by Sentry Insurance Company. Sentry Insurance is based in Stevens Point, Wisconsin and was founded in 1904. Sentry is currently one of the most established and financially secure insurance companies in the U.S. Both Dairyland and Sentry Insurance are mutual insurance companies, meaning that they are owned by their policy holders. Sentry offers a wide range of insurance lines including health, auto, home, and others. Sentry Insurance is rated A+ by A.M. Best and has over 1 million policy holders.

Dairyland

Pros of Dairyland Car Insurance

  • Subsidiary of a financially stable insurance company
  • May offer affordable options to non-standard drivers

Cons of Dairyland Car Insurance

  • Several negative customer experiences posted online
  • Not as many auto coverage options as other insurance providers

Types of Insurance Offered

Dairyland offers the following types of auto coverage:

  • Property damage and bodily injury liability
  • Uninsured and underinsured motorist coverage
  • Personal injury protection
  • Medical payments
  • Physical vehicle damage coverage including collision and comprehensive coverage

Dairyland focuses on making its insurance products available to the non-standard driver market so it offers benefits like low down payments, SR-22 filing assistance, and no prior proof of insurance required. Foreign licenses are also accepted and bilingual customer support is available.

Website

Dairyland Insurance’s website is connected to Sentry’s website for payments. The website has a minimal level of information on its products but it is easy to navigate. Some basic details are offered on the auto and motorcycle policies offered by Dairyland. The motorcycle section of Dairyland’s website has more extensive information than the auto section. Claims cannot be filed from the website, they must be called in, and auto insurance quotes cannot be retrieved from the website.

Customer Reviews

There are some complaints about Dairyland Insurance online regarding their handling of claims and other issues. Customers mentioned that Dairyland is slow to process claims. Other customers complained of cancellation fees, denied claims, and increased rates following accidents. The few positive reviews of Dairyland mentioned that their rates are affordable and that the customer service was helpful in their experience. Some of the negative reviews may stem from the fact that high risk auto insurance policies are always going to be more expensive than standard auto insurance.

Dairyland

Recommendations

In spite of the negative reviews, Dairyland still may be a good option for people who are having difficulty finding good rates for non-standard auto coverage. Higher than average premium costs should be expected from any high risk insurer, but companies with customer support issues and claims related problems should be avoided. Some of the feedback on Dairyland’s customer support should be taken into consideration by those who are looking for non-standard insurance options. Comparison shopping is the best way to get the lowest rates for both high risk and normal risk policies, and if you are looking for insurance now you can input your zip code on this page and get rates from several insurance providers.

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Company Information
Sales Phone 800-334-0090
Website
http://www.dairylandauto.com
Market Share N/A
AM Best Score A+
JD Power Rating N/A
Coverage
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District Of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, New York, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming