Unbiased Motorcycle Insurance Company Reviews

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Dairyland Motorcycle Insurance Review

Dairyland Motorcycle Insurance Review

  • Customer Service
  • Cost
  • Coverage

Dairyland insurance is a company that has been providing people with insurance policies since the 1960s. Currently they are owned by the larger company Sentry insurance group – a company with headquarters in central Wisconsin. The name “Dairyland” is fitting because they are based out of Wisconsin – a state known for its dairy products. Dairyland Cycle currently offers motorcycle insurance policies in 42 states.

This is a company that promotes itself based on competitive rates, exceptional discounts, and top notch customer care – but do they really live up to all the hype? They claim offer coverage for most types of bikes and have different types of policies to suit customer needs. Below is a thorough company breakdown and full review. This review will help you understand how Dairyland ranks compared to other insurance companies. Be sure to check it out if you are considering Dairyland for an insurance policy.

Dairyland Company History

Dairyland insurance company has been insuring motorcycles since 1966. This company was founded in the dairy state of Wisconsin – hence the company name “dairy land.” They are one of many smaller niche companies that are fully owned by the larger Sentry insurance group. Sentry insurance was founded in 1904 and their headquarters are based in the city of Stevens Point, Wisconsin. Sentry is a mutual insurance company that has been around since 1904 with a long history.

Unfortunately the company Dairyland doesn’t have much information regarding its company history. There is no charted timeline or information demonstrating major advances or progression within the company. Sentry insurance (owner of Dairyland), is a company that started out selling insurance for individuals in the hardware industry. Since its earliest days, it has expanded to offering automobile, health, and property insurance to its members. By the 1970s, it had created Dairyland Cycle to offer quality motorcycle insurance policies to individuals with motorcycles.

This is a company with a mission of providing affordable motorcycle insurance to all types of riders. The types of bikes that they insure include: BMW, Ducati, Harley-Davidson, Honda, Kawasaki, Suzuki, Triumph, Vespa, Yamaha, and more. They also offer insurance on scooters and mopeds as part of their “cycle insurance” program. They have been involved in public motorcycle safety education – discussing proper safety gear and precautions to take before riding your motorcycle.

To get involved in the motorcycle community, Dairyland Cycle has been a sponsor for motorcycle rallies, shows, and cycle road races. They have a “Dairyland” team that competes in the Superbike Road Racing Series – an American Motorcycle Association (AMA) event. They also are a top sponsor at Road America AMA – an event that takes place in Elkhart Lake, Wisconsin. It seems as though this company is leaving its mark around the Wisconsin area, but will they provide you with the coverage that you need for your bike?

Dairyland Motorcycle Insurance Coverage Options

In most of the 42 states in which Dairyland offers insurance, individuals can purchase policies for the basics. It is unknown whether they offer roadside assistance, travel reimbursement, and/or other perks. They simply state that the deductibles and limits you choose have an effect on the amount of coverage you get as well as how much you pay. Most companies get into coverage specifics on their website for people to know – Dairyland basically just tells you that you’ll get the basics.

Bodily Injury Liability – If you are involved in an accident that causes bodily injury to another person while you are on your motorcycle, this coverage will help pay for it. If someone is hurt to the point that they need medical attention, this will help pay for it.

Collision – Should you collide with another vehicle while driving your motorcycle, you will need to pay for the damages. With collision coverage, anytime you are responsible for an accident this will pay the amount needed to fix the vehicle, object, or whatever you hit.

Comprehensive – This type of coverage will cover you for damages resulting from anything other than collision. You will be protected from things like animal damage, vandalism, theft, weather damage, etc. Although this type of coverage is optional, most people buy it if they have valuable motorcycles.

Medical Expense – If you are involved in an accident in which someone is hurt bad enough to require significant medical attention, medical expense coverage is what you’ll want. This will pay for things like chiropractor sessions, surgery, and other medical treatments caused by an accident. It will also pick up treatment for disease and/or death caused by an accident.

Optional Equipment – If you have tricked out your motorcycle with customizations and other accessories, this is the type of coverage that you’ll need. If your bike has any equipment that doesn’t come standard on your bike, optional equipment coverage is the way to go. Anytime valuable accessories or custom parts are involved, this is what you need.

Property Damage – Many accidents involve damage to the property of another person, business, or even public property. Whether you crash into someone’s mailbox or the glass window of a storefront, this will help pay for the damages. This type of coverage is required in all states – you can choose the limit that best suits your needs.

Uninsured / Underinsured – Should you be involved in an accident with a driver that either: doesn’t have insurance or doesn’t have adequate insurance to pay for all the damages that they caused – this type of coverage will save the day. This type of coverage is not required, but if a driver hits you, they are liable for the accident. If that driver lacks insurance or is underinsured, this provides reimbursement.

Dairyland Motorcycle Insurance Payment Options

This is a company that claims to offer flexible, convenient payment options. They seem to offer a few popular payment options.

12 Month – This plan involves buying coverage for 12 months in a single payment. Many people like this type of payment plan because they only have to pay once a year and they are covered. This averages out to being cheaper per month than the other options. If you can afford to make one large payment upfront, this is the better deal in the long run.

6 Month – If you would rather pay once every 6 months (i.e. 2 times per year) for your policy, this a better payment option. It averages out to being cheaper per month than the monthly option, but slightly more than the 12 month payment. If you’d rather pay for your policy every 6 months, this is the way to go.

Monthly – The most universally popular way to pay is by making monthly payments. Paying once a month is manageable for most people because the bill isn’t as staggering as it would be for the 6 month or 12 month options. If you don’t have extra money to pay a lot of your bill upfront, this is the best option.

Dairyland Payment Methods

  • Automatic Payments
  • Checking
  • Credit Card
  • EFT
  • Online
  • Phone

Does Dairyland offer paperless billing?

Probably. Although they don’t really advertise a paperless billing option on their website, Dairyland seems to offer “paperless transactions.” Unless you already have an account or have contacted a representative, it isn’t fully known if you can go paperless. One would assume that since this company offers policies in over 42 states, they should now be up to date with the paperless option. It is assumed that Dairyland provides its customers with a paperless option that must either be set up by contacting a representative or under your online account settings.

Dairyland Motorcycle Insurance Discounts

If you want to further reduce your insurance bill with Dairyland, check and see if you are eligible for any of their discounts. Qualifying for a couple discounts could mean hundreds of dollars in savings per year. After you get a quote with this company, determine whether you qualify for discounts and how much you will save – this will give you a more accurate cost estimate. Dairyland wants you to know that although discounts are nice, cheap coverage usually is an indication of the quality. When you pay a little more, you tend to get better protection. Below are some of the discounts that can be used to help you save.

Multiple Motorcycles – Do you need coverage for more than one bike? If you need to get multiple bikes insured, Dairyland will give you a discount. This is a reward for doing more business with the company.

Home Ownership – If you are considered a homeowner, you will be eligible for additional savings. Being a homeowner demonstrates responsibility and shows that you are financially responsible enough to make payments. This qualifies you for additional savings.

Rider Groups – Are you a member of a group of bikers? If you are a member of a popular biking group, you will likely receive a greater discount. For exact details and to determine whether the group of which you are a member can receive the discount, contact Dairyland or ask other group members.

Safety Course Completion – If you take a motorcycle safety course and complete it, you will save on your coverage. This is a discount to reward you for learning about bike risks and safety. If you are unsure as to whether a course qualifies for the discount, ask Dairyland.

Additional savings: You can get a rider’s group discount if you are a member of BikeBandit.com’s “Bandit Buck Rewards program.” This BikeBandit.com will give a 10% savings to all riders who receive a no-obligation quote or purchase a policy through Dairyland Cycle. Seems as though these two companies have a partnership to help you save. So if you use one or the other, take advantage of the extra savings.

A.M. Best Rating: A+ (Superior)

Due to the fact that Dairyland is fully owned by the larger Sentry insurance company, it has strong financial backing.
It was given an “A+” rating from A.M. Best – suggesting that they will have enough money to pay customers for claims on a timely basis. This also suggests that Dairyland Cycle is a program that will not easily collapse with a little financial pressure. If you need to file a claim with them, they will have adequate funds to get you your money on time.

The customer reviews surrounding Dairyland vary based on experience. Some individuals claim that they have the cheapest rates, but when it comes time to file a claim, they become tough to deal with. It seems that they are a middle of the road company when it comes to handling claims and in some cases have made things difficult for their customers.

Get Free Dairyland Motorcycle Insurance Quotes Online!

In order to get a free quote from Dairyland Cycle, simply enter your Zip Code in the quote box below or at the top of the page. If this company is offering one of the best rates in your area, you may want to consider them for coverage. However, there are many other competitive companies that are trying to get your business as well. If you enter your Zip Code in one of the forms on this page, you will get a listing of the top rated motorcycle insurance companies in your location. The listings and quotes are 100% free – so give them a shot and see which company you’d like for your motorcycle insurance policy.

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