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 has the most comprehensive form of no-fault insurance in the US. When in an accident with a vehicle (as a driver, passenger, or pedestrian), Michigan no-fault covers your medical expenses, wage losses & damage done to another's property - regardless of who is at fault.

Bay Insurance is proud to represent no-fault insurance, since we feel that it takes the best care of those injured in an accident, period. With no-fault, you don't have to sue to get your medical expenses covered.

That being said, there is room for improvement. Michigan No-Fault is expensive and the rates just keep rising. There are many people that want to do away with Michigan No-Fault for this reason. But the truth is, by making some common sense changes, we can make the system sustainable and more affordable -

* Allow insurance companies to negotiate medical costs. Right now, procedures billed under a car accident are often billed at a much higher rate because unlike your health insurance or workmen's comp - there is no negotiating or fee schedule.

* Do not allow health insurers to exclude automobile accidents. Like Medicare and Medicaid, many health insurance groups are excluding automobile accidents from coverage.

* Prohibit politicians from using money set-aside for catastrophic claims for other purposes.

* Charge state fees when you get your tag and pay other "taxes". 

  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