Auto Insurance

The following links provide great information regarding the changes associated with Michigan's Auto Insurance Reform that took effect on July 2, 2020. If you have any further questions please reach out to your agent at 800.350.7676.

What should you consider when purchasing auto insurance?

Although cost is usually what drives us to shop for auto insurance, there is much more that you should consider. Michigan’s No Fault Auto reform enacted on July 2, 2020 has provided more options than ever and it is important to fully understand the impact of these options before making changes. Talking to a trusted advisor is critical to evaluate your specific needs.

Coverage Is Key

Not all policies are created equal. If you are strictly looking at price, it may seem attractive, until a claim happens. We find that often when you compare the lower cost you may have also reduced or even omitted important coverage.


We are local. When you purchase your coverage online or through an 800 number you may get a new person every time you call. We are local. We know you. We know the area and are familiar with local claims repair facilities. If you have a question, you have a single contact person to help you from start to finish.

What is comprehensive auto insurance?

Comprehensive auto insurance is a type of coverage that helps protect your vehicle against damages not caused by a collision, such as theft, vandalism, natural disasters, or hitting an animal. It provides broader coverage than just basic liability insurance, offering additional financial protection for your own vehicle.

Does auto insurance cover rental cars?

Auto insurance typically does cover rental cars, but it depends on the specific policy. Some insurance policies extend coverage to rental vehicles, while others may require you to purchase additional coverage specifically for rental cars. It's important to review your policy or consult with your insurance provider to understand the extent of coverage for rental vehicles.

What does auto insurance cover?

Auto insurance covers a range of potential risks and losses. It includes liability coverage, which pays for injuries and damages you cause to others in an accident. It also provides coverage for medical expenses, property damage, and legal expenses. Additionally, it may cover damages to your own vehicle through comprehensive and collision coverage.

How much is car insurance?

The cost of car insurance varies depending on various factors such as your age, driving history, location, type of vehicle, coverage limits, and deductibles. Each insurance company sets its own rates, so it's recommended to obtain quotes from multiple insurers to compare prices and find the most affordable option.

How much car insurance do I need?

The amount of car insurance you need depends on your individual circumstances and preferences. Most states have minimum coverage requirements, but it's often advisable to consider higher coverage limits to provide greater financial protection. Factors like your assets, income, and the value of your vehicle should be taken into account when determining the appropriate level of coverage.

What is a deductible in car insurance?

A deductible in car insurance is the amount of money you must pay out of pocket before your insurance coverage kicks in to pay for repairs or damages. For example, if you have a $500 deductible and your car needs $2,000 worth of repairs, you would be responsible for paying the first $500, while your insurance would cover the remaining $1,500. Typically, choosing a higher deductible can help lower your insurance premium, but it also means you'll have a higher upfront cost if you need to file a claim.

Does car insurance cover theft?

Yes, car insurance can cover theft, but it depends on the type of coverage you have. Comprehensive coverage generally includes theft as a covered peril, meaning it provides compensation if your car is stolen. However, it's important to review your specific policy to understand the terms, conditions, and limitations related to theft coverage.

Have a question about Auto Insurance? We know that "one size fits all" is not an insurance option.

Learn Why Others Choose BHS