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Frequently asked car insurance questions

Buying car insurance can lead to a lot of questions. We have the answers. Here are some of the more common insurance queries we’re asked—ranging from cheap car insurance coverages to getting an SR22 and safety tips on the road.
Other questions? Give us a call at 800-334-0090. We’ll be happy to handle any you have.
Can I buy my Dairyland Auto® insurance directly from you, or should I talk to my local independent agent?

Whatever you’re most comfortable with—we’re happy to serve you either way. You can get online car insurance quotes for a Dairyland auto policy right now, or we’ll help you find an independent agent who offers Dairyland insurance. But, depending on the state where you live, you might find it’s cheaper buying your insurance directly from us, avoiding additional fees that may be charged by an agency.

I got a DUI/DWI. Now what?
If you’re convicted of a DUI (Driving Under the Influence), OWI (Operating While Intoxicated), or DWI (Driving While Intoxicated), there will be a cost. On top of legal fees, tickets, and any required classes, you’ll likely see your insurance premium go up significantly. In addition, you might need to file for an SR-22 or FR-44 to continue your coverage, or you might lose coverage from your insurance company altogether. Here’s some more information on how a DUI can affect your insurance and the ways we can help.
I’m looking for options when it comes to my car insurance coverage. What do you offer?
We know you’re looking for affordable car insurance and quality service. That’s why we’ll help tailor your coverage to meet your needs. Whether it’s the minimum state-required limits or something more, you’ll find an insurance solution that best fits your budget and payment requirements. Check out all of our options on our coverages page.
What kind of discounts do you have to help me save money?
We have a variety of discounts designed to do just that. In addition to the cheap car insurance you want, we’ll also provide you our industry-leading service and support.
Why doesn’t Dairyland offer insurance in my state?
While we’d love to be available in every state, we can only offer insurance in states where we’re recognized to do business by the state’s insurance commissioner.
Can you explain what a non-owner insurance policy is?
If you don’t own a car, but need to drive someone else’s, non-owner car insurance is for you. Sometimes referred to as non owner or nonowner insurance, it provides you affordable liability coverage that protects you financially if you’re at fault in an accident. And just as important, this particular coverage is often the cheapest car insurance option available.
Is there anything I can do to help keep my senior parent safe on the road?

Good for you for thinking of your parent’s safety behind the wheel. Yes, there are things older drivers need to be aware of—including how their age impacts their driving skills. Whether it’s helping them recognize their physical limitations or having them allow for extra drive time, having them re-evaluate their driving habits is key. They should also:

  • Get routine vision and hearing tests
  • Take a senior driving course
  • Know their route
  • Consider other methods of transportation
  • Check the weather before driving

This kind of proactive approach can make a big difference in helping them stay safe on the road.

What is pay-as-you-go car insurance?
This is our way of offering you an affordable way to pay for your insurance over a period of time, rather than all at once. You get low down payments and a monthly minimum payment plan. Pay-as-you-go also includes convenient reinstatement and reissue options in most states.
What is an SR22/FR44?
The SR22 (also known as an SR-22, SR 22, or FR 44 in Florida and Virginia) isn’t an insurance policy. It’s a form required by a state to prove you have the minimum required levels of car insurance coverage. Also called a Certificate of Financial Responsibility (CFR), the SR 22 is issued by your car insurance company. In many states, we can issue—for free—an SR-22 the same day you request one. Learn about our SR22 insurance.
Can you help me make my teen safer behind the wheel?
When teens learn to drive, it’s not just stressful for you—it’s stressful for them. There’s so much for them to learn, from operating the gas and brake to dealing with traffic. Getting those skills takes time and patience. We’ve come up with some tips to help prepare teen drivers for the road.

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