I had Dairyland on my '97 Ultra when it was totaled in 2001. They gave me $18500. for a five year old bike with 90K miles on it............. I was really happy!
I switched from state farm that i have had for 30 some years to dairyland a couple of years back and for an 09 street glide pay 306 a year. For same coverage.
I have Dairyland insurance. I financed the first years policy with the bike financing. Next year, I won't be such a cheap bastard and I'll pay up out of pocket to another company that was cheaper by $100 over Dairyland.
My agent writes for Dairyland, Foremost and Progressive. Every year at renewal time she reviews rates on all three and calls me to let me know the cheapest. For several years it flip-flopped back and forth between Dairyland and Foremost. For the last few years Foremost has been cheaper. And for a little better coverage.
A couple of the options that I like on my Dairyland policy is that I have full replacement value for the first 3 years. My coverage also covers accessories that I have added to my bike as long as I can show receipts.
I don't know if other companies offer this stuff but it does give me a little piece of mind.
Have 3 bikes with them a 03 rk a 05 1200c and a 2010 ultra, my 19 year old son is on the policy with me and he is covered on which ever bike he is on. its costing me less than 600 a year full coverage on all 3, this said never had a claim so I cant speak on that.
Had Dairyland for years. Each your my rates increased. Never a claim. I switched to Rider Insurance (several east coast States only) and cut my premium in half.
I have had Dairyland for years. They have different programs. My agent informed me this year of a new one. It cut my insurance in half with the same company. Had to cancel old ins. and start new. Had a claim for a hail dent in front fender from Sturgis last year. Covered with no problem.