Dairyland Auto Insurance: Exploring Their Motorcycle Coverage Options

Dairyland Insurance is a good option for drivers who need coverage for various types of vehicles, including motorcycles. The company offers auto insurance for high-risk drivers and has several nice coverage add-ons. Although Dairyland's car insurance is more expensive than average, it is a better choice for motorcycle insurance because it is affordable and offers a range of extra coverages. Dairyland has been providing insurance for over 60 years and is known for its reliable and affordable insurance for drivers and riders.

Dairyland's motorcycle insurance is affordable and has good coverage options

Dairyland's motorcycle insurance is a great option for those looking for affordable coverage with a range of customisation options. The company has been in the insurance business for over 60 years and is well-known for its reliable and affordable insurance for riders.

Dairyland's motorcycle insurance stands out for its low prices, with coverage starting as low as $7 per month. Their full-coverage motorcycle insurance is also a very affordable option, with an average rate of around $22 per month, which is a third less than the national average. This makes Dairyland one of the cheapest options for motorcycle insurance, especially in large states like Texas and Florida.

The company offers a range of discounts to help reduce these already low rates. For example, you can get a discount if you own multiple bikes, are a homeowner, or are a member of the Harley Owners Group (H.O.G.). They also offer discounts for those who have been Dairyland customers for more than a year, as well as those who have completed a motorcycle rider training course.

In addition to its low prices and discounts, Dairyland provides a good set of extra coverage options. These include physical damage plus, which ensures your motorcycle is repaired with original manufacturer parts, and rental reimbursement, which helps cover the cost of a rental car while your bike is being repaired. They also offer optional special equipment coverage, which covers any upgrades you've made to your bike, and guest passenger liability, which provides medical coverage for your passenger if they are injured in an accident that was your fault.

Dairyland also provides 24/7 roadside assistance, so you can rest assured that help is always just a phone call away. Their coverage includes towing and roadside service for issues like running out of gas, a dead battery, losing your keys, a flat tire, or low oil.

With its affordable rates, flexible payment options, and a wide range of coverage and discount options, Dairyland's motorcycle insurance is a great choice for riders looking for comprehensive and customisable protection at a low price.

It offers standard and specialty coverages

Dairyland offers standard and specialty coverages for motorcycles. The standard insurance includes bodily injury liability, property damage liability, and guest passenger liability. The specialty insurance includes optional/special equipment, rental reimbursement, and physical damage plus.

The bodily injury liability coverage protects you in the event of an accident where others are injured or killed. It can help pay for lost wages, pain and suffering, medical bills, and funeral expenses. Property damage liability coverage, on the other hand, protects you if you cause an accident that damages someone else's property. However, it does not cover any damages to your own property.

Guest passenger liability is also included in the standard coverage. It provides medical coverage for bodily injuries to your passenger if you are at fault in an accident. This is particularly important for motorcycle riders, as guests have less protection in an accident compared to car passengers.

Dairyland also offers specialty coverage options for your motorcycle. The optional/special equipment coverage protects against damage or loss of aftermarket parts by paying the difference between the value of the optional equipment and the standard equipment it replaces. Physical Damage Plus ensures that your motorcycle is repaired with genuine original manufacturer replacement parts.

Finally, the specialty coverage includes rental reimbursement. If your bike is being repaired after an accident, rental reimbursement coverage provides money for you to rent an eligible vehicle as a replacement.

It has a good set of extra coverage options

Dairyland offers a good set of extra coverage options for motorcycle insurance. The company has been in the business of providing motorcycle insurance since 1966 and is best known for its quality, customized motorcycle insurance policy options. Dairyland's motorcycle insurance covers a range of motorcycles, from manufacturers such as Harley-Davidson, Honda, Indian, Suzuki, Yamaha, BMW, and Triumph.

• Physical Damage Plus: This coverage option ensures that your motorcycle is repaired with original manufacturer parts.
• Rental Reimbursement: This helps pay for a rental car when your vehicle is in the shop.
• Optional Special Equipment: This covers upgrades and customisations you've made to your bike. Standard policies often won't pay the full value of your motorcycle after you make improvements.
• Roadside Assistance: This provides 24-hour towing and roadside service for issues such as running out of gas, a dead battery, losing your keys, a flat tire, and low oil.
• Replacement Cost Coverage: This will pay for a new bike if your current one is three years old or newer and is totaled.
• Guest Passenger Liability: This provides medical coverage if another rider on your bike is injured when you are at fault in an accident.

Dairyland also offers standard coverage options for motorcycle insurance, including bodily injury liability, property damage liability, and guest passenger liability.

It is a good option for high-risk drivers

Dairyland Insurance is a good option for high-risk drivers who may struggle to get affordable coverage from larger providers. High-risk drivers are those who have a higher risk of filing a claim, paying inconsistently, or being involved in an accident. This includes drivers with a history of traffic violations, lapses in insurance payments, or accidents.

Dairyland specializes in providing competitive rates for high-risk drivers, so its rates for low-risk drivers are less competitive. The company offers SR-22 coverage, which is required if you get a DUI. Dairyland also offers nonstandard auto insurance for high-risk drivers, which can be more expensive than standard insurance.

Dairyland has a good selection of motorcycle insurance discounts, several of which are easy to get. This means you can reduce the company's already low rates. For example, if you take a motorcycle rider course through the Motorcycle Safety Foundation, you can get a discount on your rates. If you've been a Dairyland customer for more than a year and get a new bike, you can also get a discount.

Dairyland has some of the cheapest motorcycle insurance available, with rates as low as $7 per month. Their average rate for full-coverage motorcycle insurance is around $22 per month, which is one-third less than the national average rate.

In addition to motorcycle insurance, Dairyland also offers auto insurance and has coverage for other vehicles like ATVs, mopeds, and scooters. They provide the six standard types of car insurance, including liability coverage, comprehensive insurance, and collision coverage.

Dairyland has been in business for 70 years and has a strong reputation, with an A+ rating from the Better Business Bureau and an A+ financial strength rating from AM Best. However, their customer service ratings are below average, with higher-than-expected complaints.

It has poor customer service ratings

Dairyland auto insurance has received poor customer service ratings from various sources. On the Better Business Bureau (BBB) website, customers gave the company 1.02 stars out of 5, indicating low satisfaction with their experience. Similarly, Dairyland's mobile app has received low ratings on the app stores, with 2.6 stars out of 5 on iOS and 3.8 stars on Google Play.

According to the National Association of Insurance Commissioners (NAIC), Dairyland has a complaint index of 1.41, indicating 41% more complaints than the industry average. This suggests that customers are less satisfied with Dairyland's service compared to other insurance providers. The company receives approximately 6% more complaints than expected for its size, indicating that people are generally less happy with their experience.

Dairyland's poor customer service ratings may be due to issues with its claims process. Several negative reviews from policyholders mention a lack of response from the company and dissatisfaction with how their claims were handled. Some customers have even reported false claims filed against them for accidents they were not responsible for.

However, despite the poor customer service ratings, Dairyland has an A+ rating from the Better Business Bureau, indicating that they promptly respond to customer complaints. The company also has strong financial strength ratings from AM Best, indicating its ability to pay out claims.

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