What Is the Auto Viking Plan?
The Auto Viking policy is Dairyland Insurance Company's flagship auto coverage designed for Tennessee drivers. It bundles comprehensive protection with optional add‑ons such as collision, uninsured motorist, and roadside assistance. The plan's name reflects its focus on robust, "viking‑style" defense against the most common vehicle risks.
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Core Coverage Elements
Standard liability limits cover bodily injury and property damage up to $25,000/$50,000. Comprehensive and collision coverage can be purchased separately, providing protection against theft, vandalism, and accidental damage. Optional riders include:
- Uninsured/Underinsured Motorist Protection
- Roadside Assistance & Towing
- Rental Reimbursement
- Medical Payments Coverage
How Rates Are Determined in Tennessee
Insurance premiums in TN hinge on several factors:
- Driver history: accidents, violations, and claims history heavily influence rates.
- Vehicle type: newer models or those with advanced safety features typically attract lower premiums.
- Location: urban areas with higher traffic density may incur higher rates.
- Credit score: a higher score often results in discounts.
Because Dairyland uses a proprietary risk assessment model, exact rate formulas remain confidential, but the above elements are the primary drivers.
Comparing Auto Viking to Other Dairyland Plans
| Attribute | Auto Viking | Standard Plan |
|---|---|---|
| Liability Limits | 25/50 | 15/30 |
| Optional Riders | All | Limited |
| Roadside Assistance | Included | Not Included |
Getting the Best Price
To secure a competitive rate:
- Maintain a clean driving record; avoid late payments and traffic violations.
- Choose a higher deductible if comfortable; a $1,500 deductible can shave 10–15% off premiums.
- Bundle auto with other Dairyland policies (home, renters) for multi‑policy discounts.
- Enroll in Dairyland's Safe Driver program; documented evidence of defensive driving courses can reduce rates.
Customer Experience and Claims Process
Dairyland's claims handling is streamlined through an online portal and a 24/7 phone line. The average claim resolution time in Tennessee is 12–14 days, with a 95% customer satisfaction rating reported in the 2023 annual survey.
Is Auto Viking Right for You?
Consider Auto Viking if you need:
- Comprehensive coverage beyond the state minimum.
- Optional add‑ons that match your lifestyle, such as rental reimbursement for frequent travel.
- A provider that offers a transparent, tech‑driven claims process.
Contact a Dairyland agent today to request a personalized quote and evaluate how the Auto Viking plan fits your specific driving profile.