Viking Auto Insurance
Company Trusted For Over 25+ Years*
Company Trusted For Over 25+ Years*
Auto insurance is a valuable commodity. The law in almost all states requires every driver to own an auto insurance policy. It is safe to say that insurers will not run out of customers for many decades to come. New cars and new drivers keep on coming to the road every day. This also means more demands in the market. Auto insurance is not a physical good; although buyers do receive a policy or documents as proof of purchase. What insurers sell are services in the form of financial protection.
Hundreds of companies from small-scale to giant corporation levels compete to attract more customers every day. More prominent or more-established names get the upper hand as they have more financial power and scope. They have the license to underwrite policies in more states, which leaves smaller-scale companies in the struggle. Once in a while, the bigger company takes a drastic approach to expand its business range by purchasing smaller counterparts. Take Viking Auto Insurance, for example; it has been part of Sentry Insurance and operating under the name of Dairyland Insurance since 2005.
While Viking Auto Insurance is no longer an active company on its own, it still does business with Dairyland. They now have the license to sell and underwrite policies in 43 states, from the previous 27 states only by Dairyland alone. For the market, the acquisition gives an excellent example of how a business can grow to an exponential level. When a bigger company purchases a smaller one, it becomes an instant expansion. Viking Auto Insurance, under Dairyland, offers a wide range of insurance products as follows.
Each state also has the rule to set the minimum limit for each form of liability coverage. Policyholders can go with the minimum requirement of ask for a higher protection limit from Viking Auto Insurance.
The former is the type of driver who falls under the safe category. Some indications include a clean driving record, zero involvement in accidents for the last several years, on-time payment to the insurance company, and a good credit score. High-risk drivers are those with records full of traffic tickets, history of insurance lapses, convictions of DUI, and sometimes bad credit score as well. High-risk drivers often face difficulties in getting approval from the standard insurance market as most companies are reluctant to provide financial protections. All the indicators of high-risk drivers make it difficult for insurers to give consent. They think problematic drivers have tendencies to repeat the same mistakes in the future.
Viking Insurance offers easy options for high-risk drivers to get insurance. There are differences in price due to the same reasons that the standard market rejects such drivers. At the very least, the company provides a solution. They can acquire auto policies and have the chance to refine their records. Some major traffic violations such as DUI, driving without a license, driving without active insurance, at-fault accidents that cause permanent injuries or deaths, and reckless driving behaviors make drivers fall under the high-risk category. It often comes with the obligation to file an SR-22 document. This document is not an insurance policy, but proof that the driver does have an auto policy in compliance with the state’s minimum requirement. The good thing is that Viking Insurance can help applicants file SR-22 documents and complete the process within one day.
Apart from all the coverage options for both high-risk and low-risk drivers, the company also offers a good range of discounts to help policyholders minimize their insurance expenses. The available discounts are:
Low-risk drivers have a better chance to be eligible. A driving record plays an important role to help the company determine whether or not a driver deserves the price reduction. High-risk drivers, who often have to pay more for minimum coverage, can take advantage of some options such as Defensive Driving Discount and Anti-Theft Discount. Both options require extra steps and money, but the price reduction can be significant enough to balance out the additional expense to enroll in the course and purchase safety devices.