When it comes to driving, one of the most important things is having reliable insurance coverage. Car insurance can protect you from unexpected accidents, theft, and other risks that come with being on the road. If you’re on the hunt for a trustworthy auto insurance company, then look no further than Dairyland Insurance Auto. In this article, we’ll explore everything you need to know about Dairyland Insurance Auto, from its history to its coverage options and everything in between.
What is Dairyland Insurance Auto?
Dairyland Insurance Auto is an insurance company that specializes in providing coverage to high-risk drivers. The company has been in business for over 60 years and is known for its affordable rates and wide range of insurance products. Dairyland Insurance Auto is a subsidiary of Sentry Insurance, a Fortune 1000 company based in Stevens Point, Wisconsin.
The company focuses on providing coverage to drivers who may have difficulty obtaining insurance due to factors such as a poor driving record, a history of accidents or traffic violations, or a high-risk occupation. Dairyland Insurance Auto offers coverage throughout the United States and aims to provide affordable rates for all customers.
The History of Dairyland Insurance Auto
The history of Dairyland Insurance Auto dates back to 1953 when its founders, Richard O. Erickson and Jack Sigrist, saw an opportunity to provide affordable insurance coverage to high-risk drivers. They began by offering motorcycle insurance and expanded their offerings over the years to include auto insurance, SR-22 insurance, and non-owner insurance.
In 1966, Dairyland Insurance Auto was acquired by Sentry Insurance, a move that allowed the company to expand its offerings and reach a wider audience. Today, Dairyland Insurance Auto is one of the top insurance providers for high-risk drivers in the United States.
Dairyland Insurance Auto Coverage Options
Dairyland Insurance Auto offers a wide range of coverage options to meet the needs of its customers. Here are some of the coverage options available:
Liability Coverage
Liability coverage is required in most states and provides protection if you’re found to be at fault in an accident. This coverage pays for damages to the other driver’s vehicle, as well as any medical expenses they may have incurred as a result of the accident.
Collision Coverage
Collision coverage pays for damages to your vehicle if you’re involved in an accident, regardless of who is at fault. This coverage is optional but is recommended if you have a newer or more expensive vehicle.
Comprehensive Coverage
Comprehensive coverage provides protection for damages to your vehicle that aren’t caused by an accident, such as theft, vandalism, or natural disasters. This coverage is also optional but can offer peace of mind if you live in an area with high rates of auto theft or severe weather.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage provides protection if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages. This coverage is optional but can be a lifesaver if you’re in a hit-and-run accident or if the other driver doesn’t have enough coverage to pay for your damages.
Rental Car Coverage
Rental car coverage provides protection if you need to rent a car while your vehicle is being repaired after an accident. This coverage is optional but can be useful if you rely on your vehicle for everyday transportation.
Dairyland Insurance Auto Rates and Discounts
Dairyland Insurance Auto offers competitive rates for its coverage options. The company also offers a variety of discounts that can help you save money on your insurance premiums. Here are some of the discounts available:
Good Driver Discount
If you have a clean driving record, you may be eligible for a good driver discount. This discount can help you save money on your premiums and is available to drivers who haven’t had any accidents or traffic violations in the past few years.
Multi-Vehicle Discount
If you have more than one vehicle insured with Dairyland Insurance Auto, you may be eligible for a multi-vehicle discount. This discount can help you save money on your premiums and is available to customers who insure more than one vehicle with the company.
Multi-Policy Discount
If you have other insurance policies with Sentry Insurance, such as homeowner’s insurance or life insurance, you may be eligible for a multi-policy discount. This discount can help you save money on both your auto insurance premiums and your other insurance policies.
Payment Discounts
Dairyland Insurance Auto offers a variety of payment options, including discounts for customers who pay their premiums in full, set up automatic payments, or opt for paperless billing. These discounts can help you save money on your insurance premiums over time.
Dairyland Insurance Auto FAQ
Here are some frequently asked questions about Dairyland Insurance Auto:
What makes Dairyland Insurance Auto different from other insurance providers?
Dairyland Insurance Auto specializes in providing coverage to high-risk drivers, which sets it apart from other insurance providers. The company offers affordable rates and a wide range of coverage options to meet the needs of its customers.
What types of vehicles does Dairyland Insurance Auto cover?
Dairyland Insurance Auto offers coverage for cars, trucks, motorcycles, and high-risk vehicles such as ATVs and snowmobiles.
How can I get a quote from Dairyland Insurance Auto?
You can get a quote from Dairyland Insurance Auto by visiting the company’s website or calling its customer service department. You’ll need to provide information about your vehicle, your driving record, and your insurance needs to get an accurate quote.
What happens if I need to file a claim with Dairyland Insurance Auto?
If you need to file a claim with Dairyland Insurance Auto, you can do so through the company’s website or by calling its claims department. A claims adjuster will review your claim and work with you to resolve any issues or concerns.
What if I have an accident in another state?
Dairyland Insurance Auto provides coverage throughout the United States. If you have an accident while traveling in another state, your insurance policy should still provide coverage as long as you meet the requirements of that state’s insurance laws.
Conclusion
Dairyland Insurance Auto is a reliable and affordable insurance provider for high-risk drivers. The company offers a wide range of coverage options and discounts to meet the needs of its customers. Whether you’re a new driver or have a history of accidents or traffic violations, Dairyland Insurance Auto can provide the protection you need to stay safe on the road.
Coverage Option |
Description |
|---|---|
Liability Coverage |
Provides protection if you’re found to be at fault in an accident. |
Collision Coverage |
Pays for damages to your vehicle if you’re involved in an accident, regardless of who is at fault. |
Comprehensive Coverage |
Provides protection for damages to your vehicle that aren’t caused by an accident, such as theft, vandalism, or natural disasters. |
Uninsured/Underinsured Motorist Coverage |
Provides protection if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages. |
Rental Car Coverage |
Provides protection if you need to rent a car while your vehicle is being repaired after an accident. |