Viking Auto Insurance

Company Trusted For Over 25+ Years*

Viking Auto Insurance


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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.

Viking Auto Insurance Is no Longer an Active Company

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.

  1. Liability: every auto insurance policy has liability coverage. It is the minimum requirement in almost all states. Liability provides financial protection for the policyholder in the event of an at-fault accident. There are two different forms:
  • Bodily Injury Liability: financial protection in the event of an at-fault accident where the other party sustains injuries and requires medical treatment. The protection is to cover the medical cost.
  • Property Damage Liability: another form of liability where financial stability is to cover property damages or repair costs.

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.

  1. UM (Uninsured Motorists): Although auto insurance policy is mandatory in most states. Some drivers take their chances and drive without one. In the event of an accident where they are at fault, they need to cover injuries and property damages for the other party. When the policyholder has Uninsured Motorist coverage, there is no need to wait until the at-fault person gives the compensation. Viking Auto Insurance helps cover the cost of medical treatment and car repairs as soon as the accident-investigation concludes.
  2. UIM (Underinsured Motorists): there are similarities between UM and UIM, but the latter functions as financial support. It does not cover the entire cost of medical treatment and property damage repair because the at-fault party has an insurance policy. However, the policy limit is not enough to pay for everything, so Viking Auto Insurance gives assistance.
  3. PIP (Personal Injury Protection): mandatory in some states, PIP acts like secondary health insurance that kicks in for injuries due to road incidents. In a time-sensitive situation, when there is no time to file claims to the health insurance providers, PIP coverage can handle the medical cost. In case medical cost surpasses the limit of PIP, health insurance should come to the rescue.
  4.  Medical Payments: almost similar to Personal Injury Protection coverage, Medical Payment also helps cover medical costs. Please remember that the limit is not as generous as stand-alone health insurance, but it should be enough for an emergency. A combination of PIP and Medical Payment makes a considerable amount to cover at least minor injuries.
  5. Physical Damage: Property damage liability covers car repairs for the other party. Physical Damage coverage pays the repair cost for policyholder’s vehicles regardless of who is at fault. It comes in two types:
  • Collision: financial protection to cover repair costs due to damages from a crash. Damages from other causes fall under Comprehensive coverage protection.
  • Comprehensive: financial protection from non-collision damages such as vandalism, fire, theft, and falling objects.
  • Damages from natural disasters such as floods or earthquakes are beyond the scope of Comprehensive coverage. However, hail is still in this category.
  1. Towing & Labor: in an emergency in the middle of nowhere, Towing & Labor coverage from Viking Auto Insurance reimburses the cost to take the policyholder’s vehicle to the nearest service center.
  2. Rental Reimbursement: when the policyholder’s car is still out of service due to an accident, Viking Auto Insurance offers rental reimbursement. The policyholder does not have to take public transportation until the vehicle is ready to drive again.
  3.  Lien Holder Coverage: some drivers do not have full ownership of their cars; full-ownership is an on-going process until full payment. Drivers still need to make regular payments to the company that leases or finances the vehicle. The credit/bank/financial company often asks for high limit Lien Holder coverage to prevent loss in case the vehicle gets into an accident before full pay-off.
  4. Special Equipment: coverage to protect any special equipment in the vehicle. There are restrictions, so the company needs to conduct an inspection before it approves the application for this coverage.

The Company Caters to Both Low-Risk and High-Risk Drivers

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:

  1. Multi-Car
  2. Advanced Quote
  3. Transfer
  4. Payment Frequency
  5. Homeowners
  6. Defensive Driving
  7. Anti-Theft

Discounts Are Available for Both Low-Risk and High-Risk Drivers

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.