This insurance group holds an “A+” from A.M. Best, who is one of the biggest insurance rating companies in the country. Dairyland’s parent company has been around since 1904 when it was initially established to serve retail hardware associates.
When the industry displayed a need for a market for those who do not have the best driving records, Dairyland was established to help. Many people would have to relinquish their driving privileges if not for non-standard coverage.
Non-standard auto insurance is another name for high-risk auto insurance coverage.
You can get online auto insurance quotes at your fingertips by entering your zip code here.
Dairyland Auto Insurance Plans
Dairyland auto insurance plans are available in 44 states throughout the country with flexible payment options.
Since each state establishes its own set of driving and insurance laws, all plans offered by Dairyland meets each state’s minimum requirements. This company also takes into consideration whether your state is a tort state or a no-fault state.
- A tort state considers the driver who is at fault in the event of an accident.
- A no-fault state covers the car and the insured in the event they are hurt in an accident.
Most states offer liability coverage for damages to another person’s car or property.
Additional types of insurance coverage such as comprehensive and collision is also made available to you if you need it. If your vehicle is still under a finance agreement, that lender will more than likely require some comprehensive and collision coverage.
More coverage is also available to those who want to make sure they have enough to cover extensive damage to another or to their own vehicle.
The possibility of extensive injuries may prompt a policyholder to purchase additional coverage as well. Other inclusions may include 24-hour emergency service and rental reimbursement.
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Dairyland Auto Insurance SR 22 and FR 44
When drivers fail to meet the requirements set forth by the state, SR22 is an option.
SR22 is a certification of financial responsibility filed because of a driver’s license suspension related to any of the following circumstances:
- Failing to maintain proper insurance while under SR22 monitoring
- A suspension resulting from perjury on a DMV registration, application or other affidavit
- Refusing to disclose your identity at the scene of a serious accident
- The second offense for using your vehicle for hire without a license
There are variations to these offenses also such as allowing someone else to utilize your vehicle for hire.
An FR44 filing is justified under more severe circumstances including:
- Maiming or disfiguring a person while driving under the influence
- Driving while intoxicated or under the influence of drugs
- Driving under a suspended license
If you violate these laws in another state or under federal law, you are also subject to having to file an FR44. FR44 filings became effective in 2008 according to DMV research.
Dairyland Auto Insurance Savings
Many states require violators to take a defensive driving course when cases of this nature are heard. In these cases, a driving course may only make a small difference in improving your driving record.
It could be several years before your driving record improves enough to transfer to a standard insurance carrier.
There are other ways to save on your high-risk policy. For example, if you are in the position to pay your premiums in advance, it may help. Accepting a higher deductible may also save you a few dollars. To keep your premiums affordable, you may also consider limiting your driving to less than 25,000 miles per year until your situation improves.
Many mixed reviews exist for this carrier, and most of them are not good.
Online reviews of this company paint a picture of a company who highly scrutinizes its claims before payment. Other reviews related to poor customer service and evasive practices.
To get auto insurance quotes today, simply enter your zip code here to get started.