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Auto Insurance Information

Get great rates on Michigan auto insurance from BIA Insurance!

With so many options to choose from we can create a fully customized auto insurance package that will fit your needs and your budget. So why wait! As an independent Michigan insurance agency, we'll make sure you get the best auto insurance rates available!

As an independent agent BIA Insurance can comb the entire marketplace looking for just the right deal for you - even looking at the unadvertised auto insurance rates! Because of long-term relationships with both big and small insurance carriers, we are typically able to find deals that you would not be able to find on your own. Plus, the great thing is that we do all of the work for you. We're experts at matching your insurance policy needs with just the right carrier. Put us to the test.

We Look Everywhere for Your Auto Insurance

One of the best-kept secrets of the auto insurance industry is that most agents don't offer the policy that you want; they offer the insurance policy the carrier wants to sell. A particular policy may have a higher sales commission or incentive and that's the one you'll be offered. Not at  BIA Insurance. As an Independent Insurance Agent, we scour the marketplace to find the perfect policy for your needs.

What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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