Smart Score
81
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Dairyland Insurance specializes in auto and motorcycle insurance and has been around for almost 70 years. Dairyland accepts customers who are considered high-risk drivers or need a SR-22 financial responsibility filing. While the rates will likely not be the cheapest, the coverage is good and Dairyland is backed by the excellent financial stability of its parent company, Sentry Insurance. It is known for its easy and flexible payment options.
Lines of Business:
When it comes to their auto, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Dairyland
Available Option | What it means | |
---|---|---|
Accident Forgiveness | Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident. | |
Airbag Replacement Coverage | Covers your replacement airbags and labor should they need replacement | |
Antique or Collector Car Insurance | Special insurance for antique and collectors cars. | |
Better Car Replacement | Policy that will replace your car if it is a total loss with a car one model year newer and with 15,000 fewer miles. | |
Build Your Own Plan | Customize your insurance policy with a build your own plan policy. | |
Child Safety Seat Replacement | A policy that pays for a new child safety seat if yours is damaged in an accident. | |
Comprehensive Claim Forgiveness | Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident. |
While all companies offer a range of auto insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Dairyland has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
Available Option | Discount Data | What it means |
---|---|---|
Anti Theft Device | Varies | This discount is for cars with alarms and other theft deterrents. It typically only applies to comprehensive coverage, however. |
Paid in Full | Varies | Because of the time value of money, it's better to receive a lump sum now than the same amount in the future. Thus, savings can be offered to drivers who provide the full payment now versus those who pay over the course of the policy. |
Defensive Driver | Varies | Most often only applies to older drivers who take a certified defensive driving course. |
How does Dairyland compare to other insurance companies? Click the following links below to compare Dairyland to other top insurance companies.