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ATC Agency Blog

All You Ever Wanted to Know About Insurance

Car Insurance Guide

To begin you are required to carry liability insurance which will protect you from damages that you are responsible for. Liability extends protection to damages due to your negligence. Liability is cheap, please make sure your limits are adequate! We recommend that you carry sufficient limits of liability to protect your assets.

Collision protects your vehicle if you are responsible for an accident. The insurance company will deduct your deductible from the settlement of damages, the smaller the deductible the higher the premium. The larger the deductible the lower the premium.

Comprehensive protects your car from theft, vandalism, fire & hail. The same rules apply as with the deductible under collision. A positive feature of MN insurance is full glass coverage. In the great state of MN you aren’t subject to your deductible if your windshield or windows need to be replaced.

Minnesota is also a no fault state, which means if you suffer injuries from an accident your personal auto policy is responsible to cover your medical payments and loss wages.

This is MN auto insurance in a nut shell. There are other features available to offer complete protection from chaos. As always please ask questions before it all falls down.


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