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Auto Insurance

Bay Insurance Agency, Inc. thinks buying the right car insurance should be easy. Let us walk you through the process. This automobile insurance information is provided free of strings, whether you choose Bay Insurance or another agency!

Michigan Auto Insurance Explained
Personal Auto
Commercial Auto

Understanding Michigan
No-Fault Insurance

Michigan auto insurance

  1. PLPD -  Try it now!
  2. Primary vs Excess Medical -  Try it now!
  3. Insurance Score - Try it now!
  4. Prior Coverage Requirement

Personal Auto

Personal auto coverage details

Comprehensive vs Collision

Details needed for a comprehensive quote

Commercial Auto & Business Use

Auto Quote

Because we are an independent agency that quotes with several carriers, we need a variety of information to be able to provide you with the best quote possible.

Please provide:
*Current physical address (plus prior address if <6 months) 
*Names & DOB for all drivers in household
*Year and VIN number for all vehicles
*Use - commute (and number of miles) or pleasure
*Any tickets or accidents in last 5 years

Give us as much info as you can. We will contact you with further questions, if necessary.


719 E. Broad St
L'Anse, MI 49946

501 E. Sharon Ave
Houghton, MI 49931


L'Anse Phone: +1 906 524-5555
Houghton: +1 906 482-9997
Fax: +1  906 524-5556


L'Anse Facebook Page 
Houghton Facebook Page