Dairyland Auto Insurance: Navigating No-Fault Rules In New York

Dairyland auto insurance is not available in New York. The company offers car insurance in 38 states, excluding Alaska, Hawaii, Louisiana, Massachusetts, Michigan, Montana, New Hampshire, New Jersey, New York, North Dakota, Oklahoma, Rhode Island, and Washington, D.C. Dairyland caters to high-risk drivers who may have difficulty obtaining standard coverage due to factors such as a poor driving record, lapses in coverage, or other reasons. The company provides various coverage options, including liability, collision, comprehensive, uninsured and underinsured motorist, and personal injury protection (PIP). Additionally, they offer special equipment coverage and roadside assistance. While Dairyland has received positive financial strength ratings, their customer service and claims handling have received mixed reviews.

Dairyland's non-owner car insurance

Dairyland Insurance has been in the business of providing auto insurance since 1953. The company specializes in “nonstandard” insurance, offering coverage to drivers who are typically considered high-risk and may struggle to find insurance elsewhere. This includes drivers with serious or repeated traffic-related offenses or DUI convictions. Dairyland's non-owner car insurance is one such product designed for those who don't own a vehicle but drive occasionally.

Who Needs Dairyland's Non-Owner Car Insurance?

Cost and Availability of Dairyland's Non-Owner Car Insurance

The cost of Dairyland's non-owner car insurance will depend on several factors, including your driving history and the amount of coverage you choose to purchase. While Dairyland's rates are generally considered expensive for car insurance, non-owner car insurance can be a cheaper alternative to traditional insurance. To obtain a quote and purchase a non-owner policy, you will need to work with a Dairyland insurance agent or provider, as this option is typically not available through their online quote process. Dairyland offers non-owner car insurance in states where it is available.

Dairyland's high-risk driver insurance

Dairyland Insurance is a good option for high-risk drivers who may struggle to get affordable coverage from larger providers. Dairyland specializes in "nonstandard" insurance, offering auto and motorcycle insurance to drivers who typically can't get coverage elsewhere. This includes those with serious or repeated traffic-related offences or DUI convictions, low credit scores, accident history, or other factors. Dairyland also provides SR-22 and FR-44 certificates, which are typically free.

Dairyland has been in business since 1953 and is available in 38 states. The company offers flexible payment plans and reliable customer support. However, Dairyland's car insurance rates are considerably more expensive than average, and the company has received more complaints than other companies of a similar size.

Dairyland offers the standard auto policy options, including bodily injury liability coverage, property damage liability coverage, collision/comprehensive (physical damage) coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage. They also provide roadside assistance, rental reimbursement, and special equipment coverage.

Dairyland's high-risk auto insurance is more expensive because it specializes in covering high-risk drivers, which often raises prices for all policies. However, Dairyland does offer a range of discounts to help lower premiums, including multi-car, advanced quote, transfer, payment frequency, homeowners, defensive driving, and anti-theft discounts.

Dairyland's insurance discounts

Dairyland offers a range of auto insurance discounts to help drivers save money on their policies. While the specific discounts available may vary by state, here are some of the common discounts offered by Dairyland:

Multi-Car Insurance Discount

If you have multiple vehicles in your household, Dairyland offers a discount on your insurance premium. This can be a great way to save money if you have more than one car that needs coverage.

Advanced Quote Discount

Planning ahead can pay off with Dairyland. If you get a quote at least a week in advance of when you need your insurance coverage to start, you can take advantage of their advanced quote discount.

Homeowners Insurance Discount

If you own a home and have it insured, Dairyland offers an immediate discount on your auto insurance. This discount is applied right away, so you can start saving as soon as you sign up.

Anti-Theft Insurance Discount

Dairyland encourages its customers to secure their vehicles with anti-theft devices. By installing one of these devices, you can receive a discount on your insurance.

Transfer Discount

If you have had car insurance with another carrier for six months or more and then switch to Dairyland, you are eligible for a transfer discount. Even if there has been a small lapse in insurance coverage, Dairyland may still offer this discount depending on the state.

Payment Frequency Discount

Dairyland offers a discount if you choose to make your insurance payments quarterly, every six months, or annually. By paying less frequently than monthly, you can benefit from a slightly lower overall bill.

Defensive Driver Course Discount

Completing a defensive driving course can not only make you a better driver but also save you money on your insurance. Dairyland offers a discount for those who have taken the time to improve their driving skills through these courses.

In addition to these discounts, Dairyland also offers a range of customizable coverage options to fit your unique needs. They specialize in providing insurance for high-risk drivers, including those with DUIs, low credit scores, or accident history. While their rates may be higher for these drivers, they strive to find the right insurance policy for each individual.

Dairyland's customer service

However, according to third-party sources, Dairyland's customer service has been rated below average. Dairyland receives more complaints than expected for a company of its size, according to the National Association of Insurance Commissioners (NAIC). This suggests that customers are less satisfied with their experience than average. Additionally, Dairyland has received a low rating of 1.02 stars out of 5 on the Better Business Bureau (BBB) website, which contradicts the positive self-assessment of their customer service.

Dairyland's mobile app, which is intended to provide self-service options, has also received low ratings: 2.6 stars out of five in the Apple app store and 3.8 stars on the Google Play store.

While Dairyland asserts that its customers are their number one priority, the reviews suggest that there is room for improvement in their customer service.

Dairyland's insurance coverage

Dairyland Insurance has been in the business of providing auto insurance since 1953. The company specializes in "nonstandard" insurance, offering coverage to drivers who are typically unable to get insured elsewhere. This includes drivers with serious or repeated traffic violations, DUI convictions, or gaps in insurance coverage. Dairyland also provides insurance for drivers with foreign licenses and those who don't own a car but need coverage.

Dairyland offers the standard auto policy options, including liability coverage, collision coverage, and comprehensive coverage. Additionally, they provide optional coverage for special equipment, lienholder policies, and non-owner insurance. Here is a more detailed breakdown of Dairyland's insurance coverage:

• Liability coverage: This covers the costs of bodily injury and property damage caused to others in an accident. It includes medical expenses, repairs, and legal fees if the insured is at fault.
• Collision coverage: This pays for any damage caused to the insured's vehicle after an accident, regardless of who is at fault.
• Comprehensive coverage: This covers non-collision-related damages, such as theft, vandalism, natural disasters, fire, and falling objects.
• Uninsured and underinsured motorist coverage: This protects the insured if they are in an accident with a driver who has insufficient or no insurance.
• Personal Injury Protection (PIP): This covers medical costs for injuries to the insured and their passengers, regardless of who is at fault. PIP is not available in all states.
• Special Equipment Coverage: This covers any custom parts or additions made to the insured's vehicle.
• Towing and labor coverage: This covers the cost of towing the insured's vehicle to a service center if it breaks down or becomes immobilized.
• Rental reimbursement: This helps cover the cost of a rental car while the insured's vehicle is being repaired after an accident.
• Lienholder policy: This is often required by lenders if the insured leases or finances a vehicle. It covers the cost of the loan if the car is totaled before the loan is paid off.
• Non-owner insurance: This provides liability coverage for people who don't own a car but borrow or drive other people's cars occasionally. It helps cover damages above what the car owner's primary insurance covers.

Dairyland also offers insurance for motorcycles, ATVs, snowmobiles, and other off-road vehicles. Their coverage options are flexible, and they strive to keep the insurance process simple and accessible. However, it's important to note that Dairyland has received more complaints than other companies of a similar size, particularly regarding customer service and claims handling.

Frequently asked questions