Viking Insurance Company

Company Trusted For Over 25+ Years*

Viking Insurance Company

Competition among auto insurance companies is fierce, which is one reason Viking Insurance Company appreciates every customer. Every insurer tries to attract as many policyholders as possible and uses different creative marketing methods to stay competitive. 

Viking Insurance has stayed in business for many decades but has grown because the customer is always put first. Viking builds its business one policyholder at a time and aims to establish long-term relationships with every customer. 

In the last 25 years, the insurance markets have consolidated, making it more and more difficult for smaller providers to compete against large national firms. Viking Insurance Co provides dedicated service that bigger insurers can’t match. Insurance is not like buying a new tire or bicycle; it is financial protection against potentially severe losses. 

This is why it’s so important to work with professionals like Viking Insurance, so you get the best coverage possible at rates you can afford. Get a free auto or home insurance quote in less than five minutes. To start, enter your zip code.  

Viking Insurance Company is Now Part of Dairyland Insurance   

Viking Insurance Company has always had a conservative approach to growing and managing the firm. Viking has never been in significant financial difficulties throughout its long history. 

This is one of the reasons why the insurer decided to join Sentry Insurance in 2005 and merge operations with another subsidiary of Sentry, Dairyland Insurance. The collaboration with Dairyland Insurance expands the scope of the business for Sentry and gives the company additional growth opportunities.   

Before the company’s purchase, Dairyland had the license to sell and underwrite auto insurance policies in 27 states. When Sentry brought the company on board and merged it with Dairyland, the scope expanded to the great extent that it now has the license to do business in 43 states across the country. 

The insurer now runs all of its operations under the roof and name of Dairyland. The company has to merge with another carrier to position itself for further growth. It is an excellent example of how harsh the competitive market in the auto insurance market is. 

On the contrary, Viking Insurance Company at least has survived the fierce competition for decades. Although it is no longer a stand-alone entity, it continues under a different name. It has a reputable parent company with access to significant capital and additional sales channels. 

Serving the High-Risk Auto Insurance Market 

Dairyland Insurance is a company that specializes in high-risk drivers. It is an auto insurance provider that runs its business in the non-standard market. The company focuses on the state’s minimum coverage requirements to help drivers acquire affordable insurance and get back on the road without hassle. 

Since Viking Insurance Company has become part of Dairyland, it must follow suit regarding business operations. Drivers cannot purchase coverage from Viking Insurance, but they can get the same (if not better) things from Dairyland. Compare online rates and lower your car insurance rates in minutes. Enter your zip code and get direct quotes.   

Non-Standard Auto Insurance Market

Auto insurance companies come in two types: standard and non-standard. The former is a regular car insurance company with proper application procedures. As part of the process, it asks for detailed driving records, credit scores, and past accidents before approving a policy. 

The term high risk means the drivers have a bad reputation on the road. For example, previous DUI convictions, a pile of traffic tickets, involvement in majors accidents in the past, or a history of insurance lapses are all examples of high-risk motorists. 

Very young or old drivers may also fall under the high-risk category. It is almost impossible for high-risk drivers to get coverage from a standard auto insurance company; this is where non-standard companies come to the rescue. Non-standard companies focus on high-risk drivers. Approval is almost a certainty regardless of past driving records or credit scores. The caveat is that the cover price from a non-standard market is higher than its standard counterpart.

Dairyland Insurance Benefits

In many cases, the merging of two companies leads to improved overall service and product range. Viking Insurance, despite the merging process, does not just disappear from the market; it shares its business capabilities with Dairyland, and together they come with these valuable features:

  • Affordable non-standard Auto Insurance Options
  • Multiple discounts with easy eligibility requirements to reduce the premium
  • Pay-as-You-Go insurance option
  • 24/7 customer service
  • SR-22 on the same day
  • Non-owner car insurance

Flexible Auto Coverage from Viking Insurance Company

High-risk drivers must pay extra to acquire insurance coverage from non-standard insurance companies. To help them lower their expenses, Viking Insurance Company offers flexible auto coverage in agreement with the state’s regulations. It means that no matter where the driver lives, the coverage always complies with the state’s insurance requirements. Most states require at least Liability Coverage that covers two different types:

  1. Bodily Injury Liability is the coverage that protects policyholders from the financial burdens of medical expenses in case they are at fault in an accident. The at-fault party must pay for the medical cost for the other party. However, the total costs can be in thousands of dollars. Fortunately, Liability Coverage helps ease the obligation.
  2. Property Damage Liability: another version of Bodily Injury, but the expense of this coverage is to pay the cost of property damages such as car repair.

Apart from Liability Coverage, the company also offers other types of coverage as follows:

  1. Personal Injury Protection (PIP) – Physical Damage (Collision and Comprehensive)
  2. Uninsured Motorists (UM) – Towing & Labor
  3. Underinsured Motorists (UIM) – Rental Reimbursement
  4. Medical Payments – Lienholder
  5. Special Equipment
  6. Some states also include PIP as a minimum coverage requirement

Viking Insurance Company Customer Service

An insurance company builds its reputation not only through product range but also through the quality of its customer service. Hundreds of insurers across the country have more or less the same products, but they can be different in customer service quality. Customers are willing to spend a little bit more money on companies that offer professional assistance to customers regardless of their issues. Viking Insurance Company, together with Dairyland, has developed a strong customer service department to provide expert help in all matters:

  • Call for Quote
  • Policy Questions
  • Claims Service
  • Make a Payment
  • Report Suspected Fraud
  • Policy Support Documents

All departments have a phone and online support portals, so the service is available anytime, any day, all year long. Keeping the claim service line open is essential to help customers immediately after a report.

viking insurance company

Fast SR-22 Documentation

An SR-22 is not auto insurance coverage by itself. However, it is a letter of confirmation that the holder meets the state’s minimum coverage requirements. An SS-22 is necessary after the following events:

  1. DUI or DWI conviction
  2. At-fault accidents
  3. Reckless driving
  4. Driving with a suspended license
  5. Driving without insurance

Viking Insurance, as a provider, makes sure that every driver who applies for SR-22 always complies with the state’s regulations. Another good thing is that the company helps anyone file the proper paperwork and send the documents on the same day.

Non-Owner Car Insurance

Non-Owner car insurance helps drivers protect themselves from liability damages in case of at-fault road accidents when they drive cars they do not own, such as rental cars. It is not mandatory coverage by any means, but it can be helpful for someone who:

  • Drives rental cars very often
  • Does not have regular access to a vehicle
  • Takes public transportation regularly
  • Needs to file SR-22

Viking Insurance Company Discounts

The most efficient way to minimize expenses is to take advantage of the available discounts. Dairyland offers discounts with easy eligibility requirements as follows:

  1. Multi-Car Discount: the same car on the same policy deserves price reductions
  2. Advanced Quote Discount: get the quote a week in advance to be eligible for this discount
  3. Transfer Discount: the only requirement is to ask for a transfer at least six months in advance and become a policyholder
  4. Homeowners Discount: as long as applicants own a house, condo, mobile home, or townhouse, they are eligible for discount
  5. Defensive Driving: enroll in Defensive Driving Course to be eligible
  6. Anti-theft Device: if the car comes with safety devices, the company rewards the driver with an insurance discount.
  7. Payment Frequency Discount

Viking Works with Either Direct Purchases or Through Independent Agents

Direct investment means customers can save even more money because there are no intermediaries in the process. All discussions and payments happen only between the company and policyholder without any involvement from third-party service. 

With an independent agent, customers must pay for the extra service out of their pockets. The good thing is that an independent agent handles every process from the start to the end. The agents can also help when a claim is filed, and advice is needed.  

Get a free auto or home insurance quote and see how low Viking Insurance Company rates are. Most customers save over $550 and get better protection. You can also call toll-free, and agents are standing by to assist you with a free quote. Get quoted today and lower your rates.