My new insurance company

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My new insurance company

Post by jughead on Thu May 10, 2012 5:02 pm

I just switched from State Farm to Dairy Land. Two bikes full coverage plus $5000.00 each in accessories coverage. Total yearly premium for both bikes combined $283.60. With state Farm without the accessories coverage $1320.00 per year. If anyone is interested let me know I will share the phone number.
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Re: My new insurance company

Post by Dragon on Thu May 10, 2012 9:48 pm

Have had them them years ago, never a problem and cheap. But never had any claims either.
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Re: My new insurance company

Post by Scadoodle on Fri May 11, 2012 12:29 am

I've been with state farm since I was 16. I tried to shop around, Daddy always said you get what you pay for. Honestly to me none of them are no longer there for us.
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Re: My new insurance company

Post by Jack the Bagger on Fri May 11, 2012 1:20 am

have had dairyland on the bikes for many years , do auto withdrawal / autopay whatever and save a bit more as well

JtB
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Re: My new insurance company

Post by Miss G on Fri May 11, 2012 6:20 am

Dairy Land??? Never heard of them. scratch
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Re: My new insurance company

Post by jughead on Fri May 11, 2012 9:48 am

Scadoodle wrote:I've been with state farm since I was 16. I tried to shop around, Daddy always said you get what you pay for. Honestly to me none of them are no longer there for us.

So have I. I will keep my car and house there (mainly because of my agent) But you are correct, the company is no longer there for us.
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Re: My new insurance company

Post by hayweed on Fri May 11, 2012 10:28 am

I have never heard of them either. I have had farmers for about 20 years. Never had a problem with them.

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Re: My new insurance company

Post by Jack the Bagger on Fri May 11, 2012 4:48 pm

we have had farmers on the house and vehicles for mebbe twenty years or so ..

after the fire , I dont care what the premium is , farmers is my homeowners insurance period
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Re: My new insurance company

Post by hayweed on Fri May 11, 2012 5:03 pm

I know what your saying Jack. I had a leaky roof and when they came out and looked at it I knew it was old age and not covered. The adjuster told me he was there to get me the money. Not to deny it. Three days later I had a new roof. Never had any problems with them on vehicle claims either. I pay les than $220 a month with a car, truck, bike and trailer. Nothing older than an '03.

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Re: My new insurance company

Post by jughead on Fri May 11, 2012 6:39 pm

Jack the Bagger wrote:we have had farmers on the house and vehicles for mebbe twenty years or so ..

after the fire , I dont care what the premium is , farmers is my homeowners insurance period

On the other side of that coin. I just dropped Farmers homeowners (last year) and went to State Farm. Been with Farmers for 9 years. Policy started out at $1600.00 then $2800.00 then last year they wanted $4600.00.

I think they are all crooks.
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Re: My new insurance company

Post by Jack the Bagger on Fri May 11, 2012 7:47 pm

ours on the house that burned down was over three hundred a month .. Just the house .. Was because of being under a VFD and they have two rates under five miles and over five miles from the station ..
Over five miles is almost double the under five miles rate , we were about 5.1 miles , no lie less than 1000 feet over the five miles , but a few months ago we got a new station just up the road , and policy dropped a good bit , house and two vehicles ( 01 Ford 4X4 and 03 Honda CRV ) is $199.00 a month ..

They couldnt match Dairyland on the bike ..
Also Dairyland , if you buy a new bike , for three model years and additional $15 a year , you get full replacement coverage ..

My 2011 was $22000 new , if I total it tomorrow ( is paid for ) and it costs $30000 to replace it , I get $30000 ..

They are all crooks , but what can you do ??

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Re: My new insurance company

Post by Miss G on Sat May 12, 2012 6:39 am

So who the hell is Dairyland? Farmers?? scratch
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Re: My new insurance company

Post by Jack the Bagger on Sat May 12, 2012 8:14 am

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Concerning State Farm

Post by TheOldGuy on Sat May 19, 2012 11:08 am

My history with State Farm goes back to when I was 16, 51 years ago. All of it is bad. I was a home inspector in the Pensacola market during and after Hurricanes Ivan, Dennis, and Georges. I saw a roof on which the owner had painted "Good Neighbor, My Ass!" and that sums up what I saw after Ivan doing owner-advocacy work.

I have a letter from State Farm's underwriting department apologizing for calling me a liar. That arose from unqualified mistakes by State Farm. I also have a letter to the agent from State Farm admitting they 'd made the mistakes but saying they would not admit them "because there is no graceful way to apologize." The admission and apology did come later, under threat of legal action. My agent at the time, good and very successful lifetime State Farm agent, said it was the only letter of apology he'd ever seen them issue.

In my opinion, and apparently in the opinions of many others I've talked to, State Farm is the sleeziest major consumer-direct company in the United States. But United Health Care may run them a very close second.
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Re: My new insurance company

Post by Jack the Bagger on Sat May 19, 2012 2:13 pm

geico thirty years ago was right there with them in sleaze
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GEICO AND PROGRESSIVE

Post by TheOldGuy on Sat May 19, 2012 3:55 pm

Come to think of it, I had a girlfriend about 30 years ago that GEICO screwed over pretty well



Progressive has a former chief officer who is still a major owner, who is a huge, seven-figure, maybe eight-figure, backer of socialist forces trying to turn the USA into a socialist government. I pulled cars, RV, and bike away from them. Markel has my bike now. So far so good.
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Re: My new insurance company

Post by jughead on Sat May 19, 2012 9:01 pm

I agree about United Healthcare 100%

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Re: My new insurance company

Post by jaded on Tue Sep 11, 2012 12:14 am

I'm going to check into dairyland. Been with GMAC for years paying for additional coverage I no longer need. I recently called to drop back to liability and they won't do it without a letter from the state. Sounds like a cop out to me.
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Re: My new insurance company

Post by TheOldGuy on Tue Sep 11, 2012 12:20 am

Pure bullshit from GMAC. States don't care if you protect yourself or not. They want you to carry liability to protect others. GMAC is simply making it hard for you to reduce the amount of money they take from you. Dump the bastards altogether.
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Re: My new insurance company

Post by JSteele on Tue Sep 11, 2012 8:35 am

I just ran the numbers on DairyLand compared to my State Farm policy. Looks like I'm staying with State Farm.
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Re: My new insurance company

Post by TheOldGuy on Tue Sep 11, 2012 8:41 am

Might it not be a good idea to also compare coverage, terms, exclusions, and so forth? Or run numbers with Markel and AllState (not that I'm a fan of Allstate, but they're pushing hard for the motorcycle trade nowadays)? What's the point in having the lowest premium if the coverage isn't there or the company will twist like a contortionist in a fire ant bed to get out of paying?
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Re: My new insurance company

Post by JSteele on Tue Sep 11, 2012 8:47 am

I have found lower premiums than I pay with State Farm but the coverage is lower than what I have now. All insurance companies are out to make money but I'm am a life long State Farm customer and they have treated me well with the few claims I've had over the years. Sometimes it took some negotiation, but I got what I thought was fair in the end. In fact when I totaled my first bike they offered NADA retail right off, so I took it especially since it was $700 more than I paid for the bike.


Last edited by JSteele on Tue Sep 11, 2012 9:22 am; edited 1 time in total
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Re: My new insurance company

Post by TheOldGuy on Tue Sep 11, 2012 9:14 am

You've had far better luck with them than my father or I have had, or any of my home inspection clients did . . . but . . . stay with success, I suppose.
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Re: My new insurance company

Post by jughead on Tue Sep 11, 2012 9:40 am

JSteele wrote:I just ran the numbers on DairyLand compared to my State Farm policy. Looks like I'm staying with State Farm.

Wow. The savings to me were huge. Plus the when I added my wife's bike the policy premium only increased $43.00 per year. 2 bikes yearly premium less than $300.00 per year combined.
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Re: My new insurance company

Post by Miss G on Tue Sep 11, 2012 9:16 pm

jughead wrote:
JSteele wrote:I just ran the numbers on DairyLand compared to my State Farm policy. Looks like I'm staying with State Farm.

Wow. The savings to me were huge. Plus the when I added my wife's bike the policy premium only increased $43.00 per year. 2 bikes yearly premium less than $300.00 per year combined.

Odd...I got a quote from Dairyland using the same options I have now with Geico...the premium was higher with Dairyland... scratch
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