The Donegal Mutual Insurance Company functions as a mutual fire and casualty insurance entity that concentrates on providing a flexible range of personal, farm and a variety of commercial products. It also underwrites coverage for personal and commercial insurance. The company itself makes use of a network of about 1,200 independent insurance agents as a medium when it offers its wide selection of insurance products to the market. These agents they tap into are usually from Pennsylvania, Virginia, Ohio, Maryland, Delaware, North Carolina; and the whole of the Mid-Atlantic, Southeastern and Midwestern regions in the country.

Before, the company was officially known as Donegal and Conoy Mutual Fire Insurance Company throughout the industry. Founded way back in 1889, it stationed its headquarters in Marietta, Pennsylvania. It was originally constituted by the farmers throughout the area as their protection from a possible disastrous financial impact of a loss of their personal property through fire. After a while, the name of the company was finally changed to the Donegal Mutual Insurance Company that everybody knows today.

The strong and healthy financial foundation combined with very successful operating principles and strategies earned the “A” rating (meaning excellent) by the A.M. Best Company. Back in 1986, Donegal Mutual masterminded the formation of a downstream holding company that still concerns itself with insurance, the Donegal Group Incorporated. An insurance holding company functions just like that of a normal business corporation that owns insurance companies, but the catch is, it’s not a real insurance company itself. The Donegal Group Incorporated made an initial offering of common stock to the buying public in a plan where the Donegal Mutual retained a majority interest. There are now two separate kinds of common stock of the Donegal Group Incorporated currently trading on NASDAQ symbolized by DGICA and DGICB.

Another company was incorporated into the fold back in that eventful 1986 called Atlantic States Insurance. It is more of a wholly-owned subsidiary of the Donegal Group Incorporated where it had a pooling agreement with that of Donegal Mutual, that both companies will be assigned a given percentage of the combined underwriting results. Three years later, the Donegal Group Incorporated started expanding its influence and geographical area specifically in the state of Virginia by acquiring the Southern Insurance Company of Virginia.

The 90’s saw huge completed acquisitions of the Delaware-based Delaware Atlantic Insurance Company, the Pioneer Insurance Company based in Ohio, the Southern Heritage Insurance Company based in Georgia and the Pioneer Insurance Company of New York. These far-reaching acquisitions of the Donegal Insurance Group gave it the ability to offer and provide insurance products throughout these regions served by these acquired companies.

The years 2001 and 2002 were exciting years. The corporate structure was streamlined thru the merging of several subsidiaries. A good example was the complete merger between the Delaware Atlantic Insurance Company and the Pioneer Insurance Company of New York into the Atlantic States Insurance company. Other notable acquisitions include Le Mars Insurance Company and the Peninsula Insurance Group in 2004 and the Sheboygan Falls Insurance Company in Wisconsin. And in 2009, Donegal Mutual Insurance Company affiliated with the Southern Mutual Insurance Company based in Georgia.

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The Pennsylvania state laws require every driver plying through its roads to have at least a single financial liability so they will be fully legible to do so. Most residents in the state have already purchased their own car insurance policy just to honor this legal requirement. But the problem lies with having less information about the policies they purchased. What happens is that they can only be awarded with lesser coverage than they have expected during the purchase. Many experts believe that a driver should not be content of matching the minimum car insurance coverage that is mandated by the state of Pennsylvania; instead he must prepare for rainy days by gathering Pa car insurance quotes and going for a full insurance coverage that would amount to a considerable sum of money.

To paint a better picture, this is what the situation looks like; the state’s requirement for the Bodily Injury Liability limits at its minimum is $15,000 for every injured person, and $30,000 for each accident. The Property Damage Liability coverage can be purchased at a minimum of $5,000. Also to be considered is another $5000 for the medical expenses intended for the other party in the accident. If you look at it more closely, your first impression will likely be that all these will amount to a huge sum. These figures are usually common throughout the United States, and what you may not know is that this is among the lowest. This basic coverage figures are better known as the 15/30/5 coverage. And because these are among the lowest in the country it doesn’t mean that they are already enough for you and that you can get on with your life. The truth is this setup may not be totally safe as you are insufficiently protected driving through Pennsylvania roads. What experts agree on to be the safe figures are 100/30/100. With this, you are certain to be covered significantly in case of getting into a road accident. But there still other things to consider like choosing between full tort and the limited tort, and especially in the more sensitive case of the uninsured or underinsured vehicles.

To prepare yourself for all of these, the very first step that you must undergo is to get started with comparing the different Pa car insurance quotes. You’re in for a tough time if you decide to carry out this process by meeting each insurer individually. It simply takes a lot of your time, and along the way you will probably get confused and lose track as to which company will offer you the cheapest rates and the best benefits, or the rates that you can well afford despite a tight budget. You will simply lose yourself in your hunt this way.

But fear not. There is a simple solution that will keep you from those hassles. You can search for Pa car insurance quotes online; it is very easy and efficient. Each insurance company website has an accessible quote box on the main site page. All you have to do is input data and it will automatically compute for you so you can have the results right away. Here you can easily compare which among the companies are offering you the best rates, and you need not to get confused while at it. And after you have chosen, you can go ahead and buy your policy.

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The Donegal Insurance Group traces its beginnings way back to the birth of the Donegal and Conoy Mutual Fire Insurance Company in 1889. It all started in Marietta, Pennsylvania when the area farmers decided to form the company to protect themselves preemptively from losing their properties in fire incidents and the potential impact that is sure to follow, especially the financial aspect of that impact. As time passed by, they changed its name to the Donegal Mutual Insurance Company. And one of the products it offered to the buying public is the Donegal car insurance.

Bodily injury and property damage liability is the main coverage provided by Donegal car insurance policies. It also includes a vehicle’s physical damage coverage. The bodily injury liability accommodates coverage for any legal responsibilities and obligations in the case of accidents that caused any kind of injury to other drivers, their pedestrians and passengers. The property damage liability coverage on the other hand, provides protection for unfortunate accidents that damages other people’s properties. And if ever that accident will involve any legal costs, especially defense, then it will also be covered as well. There is also a certain type of coverage intended for any uninsured individual, even the underinsured. The uninsured and/or underinsured coverage will protect that customer and his or her immediate family members from the costs of the injury in the event of an accident that was caused by a motorist not insured or those underinsured.

There are also other attractive features included in its auto insurance policies:

* They offer good student discounts.

* The Donegal insurance system can account for high chargeable accident thresholds

* They also offer different programs regarding first accident forgiveness. This means that Donegal Insurance will not raise your insurance rate after the first at-fault accidents.

* Excellent drivers are entitled extra edge discounts.

* PACE protector endorsement program.

The car insurance policies offered by Donegal have various options to help you get the best out of your coverage. There’s also a collision coverage that handles the repair costs of your vehicle that is damaged by the other party in an accident. Another type, the “other than collision” coverage is offered particularly in cases like fire, theft, vandalism, glass breakage and other known perils.

You also have the option to add coverage for the towing of your disabled car and other labor charges, and a rental reimbursement coverage to handle payment of the rented car cost in the event of a vehicular loss. You can also save on Donegal’s insurance coverage if your car possesses passive seatbelt restraints and air bags. It would also be ideal if you have anti-theft devices and anti-lock brakes in your car. You can be qualified for credits with these. There are also other wonderful discounts that you can enjoy if you car pool and if you have undergone a driver’s education class. Save additional money as you avail the multi-car discount program. You can qualify if you have more than once insured car. Now you can see why the Donegal car Insurance is the best.

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