Why Is Dairyland Auto Insurance Rates Different?
Dairyland Auto Insurance is one of the most popular insurance providers in the Midwest. It offers a variety of coverage for vehicles, such as trucks and SUV’s. There are also specific policies that cover only one brand or type of vehicle, such as only cars or trucks. Whatever type of coverage your need, there’s a plan that’s right for you.
D Dairyland Insurance Company started out as a regional insurance company in Wisconsin in the early 1960’s and eventually grew to have a nationwide presence. At its founding, the company sold policies that covered just vehicles. They quickly realized that they needed more than just a product to cover vehicles; they needed a product that would provide great service as well. In February of 1963, The Hardware Dealers Mutualfired Insurance Company of Wisconsin (now known as Sentry) started writing automobile insurance policies. In six short years, Dairyland expanded to cover all makes and models of automobiles in Wisconsin, and then expanded even further to cover all types of vehicles nationwide.
What sets Dairyland apart from other insurance companies is the high-risk category that it offers to drivers with a high number of moving violations on their driving record. If you have many speeding tickets, have three or more parking tickets, or have been convicted of operating under the influence of alcohol or drugs, you are considered a high-risk driver by Dairyland. High-risk drivers are required to undergo a credit check and a thorough background investigation before being approved for coverage from the company. Even if you’re not considered a risky driver, you can still have the company deny your claim if you have had three or more claims within a three-month period. This is due to the fact that these drivers have so many claim-related events in their driving history that the insurance company has to deem them too risky to cover.
One aspect that sets Dairyland car insurance apart from other companies is that they provide their clients with a free and no-obligation estimate prior to making any purchase. When searching for a policy through the internet, many complain that they are given a sales pitch by the representatives of the company. In fact, Dairyland encourages their customers to write down as many complaints as they can on a website dedicated to drumming up customer complaints. The result of writing down as many complaints as possible will help the company officials understand the problems that many people have with their car insurance policies.
Another reason why Dairyland auto insurance rates are a bit higher than other insurance companies is because they take into consideration the risk factor of drivers when determining premiums. For instance, if a customer has a past history of being involved in an accident, but has gone to great lengths to keep their driving record clean, the insurance representative will charge the customer a higher premium. The reasoning for this is that the company assumes that the customer is a greater insurance risk because of the history of the accident.
It is important for consumers to compare multiple insurance policies before making a final decision. There are many reputable companies that offer coverage in Wisconsin and throughout the rest of the country. By gathering quotes from a variety of companies you can get a good idea of how much you will spend on your auto insurance policies each year. You should also bear in mind that your driving record and the history of any prior accidents you may have had will have an impact on your premiums. If you have had a clean record for 60 years, you may find that you will pay more for your insurance policies.