THE GOOD

Customize your policy coverage:

Once you enter in basic information about yourself and your bike in Dairyland Insurance's quote tool, you have the option to select what types of coverage you're interested in and how much coverage you'd like. There are several choices available for each, so you'll likely be able to design a policy that has what you're looking for, whether it's basic or comprehensive. You're also able to add on extras like roadside assistance and medical expense coverage. You can then view your quote and the payment schedules available to you. At any time during the quote process, you can always go back and adjust your coverage or change your information if you need to ensure you get the most accurate quote possible.

Repairs with genuine replacement parts:

If you opt to add Physical Damage Plus coverage to your Dairyland Motorcycle Insurance policy, your bike is repaired with original equipment manufacturer parts if it ever gets damaged. This coverage costs extra, but it isn't something you find with all motorcycle insurers. Sometimes traditional replacement parts are not as well made as the original manufacturer parts and may wear out faster. By going with the original equipment manufacturer parts, you're receiving high-quality replacement pieces that withstand more wear and tear and last longer.

Easy to manage payments online:

Through your Dairyland Insurance online account, you can view your payment history and set up an automatic payment schedule. Unlike most other motorcycle insurance companies, however, Dairyland Insurance doesn't require you to have an account with them in order to pay online. All you need is your policy number and a zip code and you're directed to a page where you can enter in your payment details. The whole process can be completed within a matter of minutes. You can also set up an Electronic Funds Withdrawal without logging in. Just list your account information and indicate whether you'd like the full amount taken out at once or whether you'd rather pay monthly. In addition, you can also pay by mail or over the phone if that's more convenient for you.

THE BAD

No way to file claims online:

You must call Dairyland Insurance's claims representatives in order to get the ball rolling on your motorcycle insurance claim because there is no way to initiate the process online. However, while it'd be nice to see them make online claim filing possible, their representatives are available 24/7 so they can get started on your claim whenever you call. This way, you're also able to get any questions you have answered and make sure you haven't left out any important information in your claim.

Few ways to earn discounts:

Dairyland Insurance does offer you a few ways to save, including multi-motorcycle and organization discounts, but this is extremely limited when compared to the discounts offered by companies like Allstate. Remaining claim-free doesn't earn you any extra savings nor does making your payments on time. Certain other discounts are only available in select states. If you were hoping to take advantage of these savings, look around at some other options. However, Dairyland Insurance still has quite a bit to offer motorcyclists, so it's still worth getting a quote from them to see how they compare.

Can't make policy changes online:

Although you can view policy documents and payment information from your online account, you have to contact one of Dairyland Insurance's representatives by phone if you need to make any changes. Many other companies enable you to add a driver or replace a motorcycle without contacting the company, which is a much more efficient and convenient way of updating policy information for most people. However, support representatives are available six days per week and can make any changes relatively quickly, so this shouldn't be too big of an issue in the larger scheme of things.

THE DETAILS

Financial Strength
A.M. Best FSR Rating A+
A.M. Best ICR Rating aa-
Moody's Rating N/A
Standard & Poor's Rating BBB

FEATURES

Title
  • Accessory Coverage The insurance provider offers physical damage protection to equipment, devices, accessories, enhancements, and changes other than those which are original-manufacturer-installed, which are permanently installed or attached, and alter the appearance or performance of the vehicle.

  • Collision The insurance provider insures you against damage from collisions.

  • Comprehensive The provider insures you against losses from any non-collision vehicle damage including fire, theft, or vandalism.

  • Custom Motorcycle Coverage The insurance provider offers coverage for custom-built motorcycles.

  • Trike Coverage The insurance provider offers coverage for trikes or three-wheeled motorcycles.

  • Vintage Motorcycle Coverage The insurance provider offers coverage for vintage motorcycles.

  • Actual Agreed Value You can lock in an agreed-upon price with the insurance company, and receive payment for that value if the motorcycle can't be replaced.

  • Bodily Injury Liability You are insured against damage if you injure or kill another person.

  • Guest Passenger Liability The insurance company will pay for any injuries sustained by a passenger who shares a ride with you.

  • Medical Payments Coverage that pays the cost of medical care you receive as a result of a motorcycle accident is offered.

  • Property Damage Liability Coverage that insures you against certain damages that you may cause to someone else's property are offered.

  • Trip Interruption Coverage The insurance provider will pay for food, lodging, and travel expenses if your motorcycle breaks down more than 100 miles from home.

  • Uninsured/Underinsured Motorist Bodily Injury The insurance provider pays for injuries caused by an uninsured or underinsured driver.

  • Uninsured/Underinsured Motorist Property Damage The insurance company offers coverage against property damage caused by an uninsured or underinsured driver.

  • Cash Benefits The insurance company will provide cash benefits to you or your family if you have a serious or fatal accident, regardless of fault.

  • 24/7 Claims Center You can reach a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Telephone Claim Filing You can file a claim via telephone.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Online Claim Filing You can file a claim online 24/7.

  • Homeowner Discount A discount is offered on your policy if you own your home.

  • Anti-Theft Discount A discount is offered if you have any anti-theft devices installed.

  • Multi-Motorcycle Discount A discount for insuring more than one motorcycle is offered.

  • Organization Discount You can receive a discount if you are a member of an affiliate organization (i.e. Riding Associations).

  • Pay-in-Full Discount You can receive a discount for paying the full amount of the policy up front.

  • Safety Course You can receive a discount for completing a safety course.

  • Accident Forgiveness Your rates will not go up after an accident, if qualifications are met.

  • Claim-Free Discount A discount is offered if you have no at-fault accidents during your previous policy period.

  • Instructor Discount Current Motorcycle Safety Foundation instructors receive a discount.

  • Mature Rider Long-time motorcycle riders will receive a discount.

  • Multi-Policy Discount A discount is offered if other types of insurance are purchased from the provider.

  • On-Time Payment Discount You can receive a discount for paying on time for a year.

  • Reduced Deductible You can receive a discount for each consecutive accident-free year that passes.

  • Renewal Discount You can receive a discount when you renew your insurance.

  • Responsible Driver Discount You can receive a discount for being a responsible driver.

  • Transfer Discount You can receive a discount for transferring your insurance to the company.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Online Policy Purchase You can purchase your policy entirely online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Rental Car Reimbursement The provider repays you for the cost of renting a car while your motorcycle is being repaired due to an accident.

  • Roadside Assistance The provider offers roadside assistance in case of emergencies (tow, no gas, flat tire, etc.).

  • Towing and Labor The provider offers reimbursement for towing and labor costs.

  • Transport Trailer The provider offers Comprehensive and Collision (physical damage) coverage for your transport trailer.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The insurance provider's iPhone and Android apps have a combined 3.5 stars or greater.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • GPS Locator The mobile app has a built-in GPS locator.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Android App You can access your account through an Android app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • iPhone App You can access your account through an Apple app.

  • Billing Status You can check your billing status and payment information online.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Add a Driver You can add a new driver to your insurance policy online.

  • Dashboard You can manage and change policy details using an online dashboard.

  • Replace Motorcycle You can replace or change a motorcycle covered by your insurance policy online.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make payments with your credit card.

  • Flexible Payment Terms The insurance company offers flexible payment terms over different periods of time.

  • Mail Payments You can mail your payments.

  • Online Payments You can make payments online.

  • Pay by Bank Account You can make payments directly from your bank account.

  • Phone Payments You can make payments by phone.

  • Prepayment You can pay your policy in full instead of monthly.

  • Email/Ticket You can reach the provider for support through email or a ticket system.

  • Phone You can contact the provider by phone to get support.

  • Social Media You can contact the provider through social media websites.

  • Live Chat You can reach the provider for support through live chat.

Comparable


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