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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

Auto Quote<br><br>Please provide as much information as you can so we can give you an accurate quote and we can shop our various carriers to find you the best value.

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". 

See News & Announcements
for information on reform bill  - To take affect June 2020

We will keep you updated, as we find out more details!

Personal Auto

Personal auto coverage details

Comprehensive vs Collision

Details needed for a comprehensive quote

Commercial Auto & Business Use


Have questions about auto insurance in Michigan? Please fill out the form on the right and we'll get back to you as soon as possible.


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