What does Dairyland Full Coverage Auto Insurance cover?
Full coverage is a very good idea for most drivers, but Dairyland full coverage isn’t the cheapest option around.
Written by Liz Jenson
Reviewed by Brenna Swanston
Dairyland does offer a full coverage auto insurance policy, which includes liability insurance, collision insurance, and comprehensive insurance.
However, Dairyland may not offer the
cheapest car insurance
, so it’s a good idea to shop around before settling on a policy. Plus, some vehicles don’t need that much auto insurance
coverage and will be just fine with liability insurance only.So, how much coverage is right for you? Let’s take a deeper look into Dairyland’s full coverage option to help you find your perfect policy.
What does Dairyland full coverage insurance cover?
Full coverage
isn’t just one specific type of insurance. The exact specifications of what makes a package full coverage may vary from provider to provider. If your insurer offers you a “full coverage policy,” though, there should be at least three types of coverage included in the package:- Liability insurance:This type of insurance is legally required in almost every state and helps you pay for damages and medical bills for other drivers if you’re found to be at-fault in an accident.
- Collision insurance:As the name suggests, this type of insurance helps you pay to fix your vehicle if you’re in a collision, whether that collision is with another vehicle or a stationary object.
- Comprehensive insurance:If your vehicle is damaged by something other than a collision, comprehensive coverage helps pay for it. This type of insurance comes in handy if your car is stolen, flooded, burned, etc.
A full coverage policy from Dairyland includes
bodily injury liability coverage
, property damage liability coverage
, collision coverage, and comprehensive coverage. This means your car and your wallet are protected in most instances, whether you get into an accident, have your car stolen, or are the victim of a natural disaster.Does full coverage really cover everything?
Nope. It’s true—the name is a little misleading!
Insurance providers call this type of insurance full coverage to distinguish it from liability-only car insurance, which is the state minimum in most locations. While full coverage is a great place to start when shopping for insurance, there are other types of insurance coverage to consider before deciding on a policy for your car.
Other types of Dairyland auto insurance coverage
Type of coverage | Description |
|---|---|
Uninsured and underinsured motorist coverage are very similar types of coverage, and both are offered by Dairyland. Uninsured motorist coverage protects you financially if you’re in an accident with a driver who doesn’t have insurance, while underinsured motorist coverage does the same thing if you’re in an accident with someone who doesn’t have enough insurance coverage to pay for the resulting damages. | |
Dairyland’s MedPay coverage helps you pay for medical bills that you or your passenger receive after an accident. In the event of a death, this type of coverage also covers funeral expenses. | |
This type of coverage also helps you offset medical expenses following a car accident, and is legally required in no-fault states . | |
If you get into a car accident or experience another type of vehicular emergency, Dairyland sends someone to tow your car to a repair shop. | |
If you need to rent a car while yours is in the shop following an accident, Dairyland’s rental car reimbursement add-on helps offset that additional cost. | |
This type of coverage protects you if you’re in an accident in someone else’s car. This is great for people who don’t own or regularly drive a vehicle. | |
Special equipment coverage | This add-on covers damages to any additional equipment or cosmetic changes you make to your car after purchasing it. |
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Some insurance companies offer home insurance, renter’s insurance, or even life insurance as well as auto insurance. But Dairyland strictly provides coverage for cars, trucks, motorcycles, and some other small vehicles.
Is full coverage car insurance from Dairyland worth it?
Now, you’re probably wondering
whether or not full coverage is right for you
. This type of insurance plan isn’t legally required in most states, but it is required by some lenders. This means that if you drive a leased vehicle, you may have to buy full coverage for it.Even if you own your car outright, though, full coverage insurance can be a convenient way to protect your vehicle against a total loss. Unless your car is just worth a few thousand dollars, full coverage insurance is typically the way to go.
Benefits of full coverage Dairyland car insurance
There are several reasons why full coverage is a good idea, including:
- You’ll meet the insurance requirements set by your lender on your leased vehicle.
- You’ll feel peace of mind in high crime areas, bad weather events, or natural disasters.
- If your car is totaled, you’ll be able to file a claim.
Full coverage is almost always worth the money but can be especially helpful in high-risk areas, like big cities or places with severe weather.
Drawbacks to full coverage Dairyland car insurance
While having a full coverage policy is typically pretty advantageous, though, there are some drawbacks—mostly financially:
- Buying full coverage insurance is more expensive than buying basic liability insurance.
- If you make a claim, your premiums will increase further.
While some insurance companies offer better rates for buyers who bundle
homeowners insurance
or renters insurance
with their full coverage auto policy, Dairyland does not offer these types of policies, so you won’t be able to save money that way.Does Dairyland have the best full coverage auto insurance?
In terms of content, Dairyland’s full coverage auto insurance is pretty similar to other insurers in a lot of ways. What does change from one company to the next, though, is the overall price of your policy.
Each car insurance company uses different factors to determine how much your insurance costs. This means full coverage from Dairyland could be a lot cheaper if you have a
clean driving record
, but it’s also possible that you’ll find an even better rate at another company (like Allstate
, GEICO
, or Nationwide
) due to your good credit
.Other important factors affect your insurance, too. For example, young drivers typically see higher insurance rates due to their lack of experience, and those convicted of major traffic violations like DUIs see higher rates, too. Even your ZIP code can affect your car insurance cost!
Some drivers experience higher insurance rates after a car insurance violation, but Dairyland offers a free
SR-22
to many customers. This makes Dairyland a good choice for drivers who require SR-22 insurance.However, Dairyland does also struggle in terms of customer service. Drivers have filed more complaints with Dairyland than the average insurance company, meaning that there is a general air of dissatisfaction with this company. Additionally, this company doesn’t always provide affordable rates. If great customer service and low prices are important to you, it’s a good idea to get quotes from other insurers to ensure that you find the perfect policy.
It’s recommended that you get quotes from three to five insurance companies before you settle on one. You can do this by calling each insurer directly or using a mobile app designed to help you compare rates offered by different insurers.
The bottom line
Getting full coverage insurance from Dairyland might be more expensive than buying your insurance elsewhere, but this type of coverage is a good idea nonetheless. Full coverage insurance ensures that you’re protected in most circumstances, which makes it worth the additional cost.
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FAQs
At what point is full coverage not worth it?
If you drive a car with lots of mileage, or if your car isn’t worth very much, the cost of full coverage might be more than your car is worth. In these cases, it’s best to drop to a less extensive policy to save money.
What is the difference between full coverage and liability coverage?
Liability coverage is the most basic type of car insurance and only covers the bills of other drivers after an accident where you’re at fault. Full coverage, on the other hand, includes collision and comprehensive coverage, which helps you pay your own repair and/or medical bills after an accident or another type of damage to your vehicle.
What is a deductible?
A deductible is the amount of money that you agree to pay before your collision or comprehensive coverage takes over your bills. If you have a deductible of $600, for example, you’ll have to pay the first $600 of repairs before your car insurance kicks in.
