Dairyland Insurance is an auto insurance company that specializes in providing coverage to high-risk drivers. With a focus on non-standard auto insurance, Dairyland caters to those who may have difficulty obtaining coverage from traditional insurance companies due to factors such as a poor driving record, multiple accidents, or DUI convictions.
Dairyland Insurance offers a range of coverage options to suit different driver needs. Some of the key coverage options include:
- Liability Coverage: This type of coverage is mandatory in most states and helps pay for injuries and property damage to others if you are at fault in an accident.
- Collision Coverage: Collision coverage pays for repairs to your vehicle in the event of an accident, regardless of who is at fault.
- Comprehensive Coverage: Comprehensive coverage protects against non-collision events, such as theft, vandalism, natural disasters, and animal collisions.
- Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have enough insurance or is uninsured.
- Medical Payments Coverage: Medical payments coverage helps pay for medical expenses for you and your passengers after an accident, regardless of who is at fault.
Advantages of Dairyland Insurance
- Specialization in High-Risk Drivers: Dairyland’s focus on non-standard auto insurance makes it an attractive option for high-risk drivers who may have trouble securing coverage elsewhere.
- Flexible Payment Options: Dairyland offers various payment options, including monthly, quarterly, or semi-annual installments, making it more accessible to budget-conscious drivers.
- SR-22 Insurance Filings: If you’ve had a DUI or license suspension, Dairyland can assist with filing the required SR-22 form, which is necessary to reinstate your driving privileges.
- 24/7 Claims Support: Dairyland provides around-the-clock claims support, ensuring that you can reach them whenever you need assistance.
Getting the Best Out of Your Dairyland Policy
- Maintain a Good Driving Record: While Dairyland specializes in high-risk drivers, maintaining a good driving record over time can help you qualify for lower rates and discounts.
- Bundle Policies: Consider bundling your auto insurance with other policies, such as home or renter’s insurance, to receive additional discounts.
- Opt for Higher Deductibles: Choosing higher deductibles can lower your premium, but be sure to select a deductible that you can afford to pay in the event of an accident.
- Inquire About Discounts: Ask your Dairyland agent about available discounts, such as safe driver discounts or discounts for completing a defensive driving course.