Thank you for choosing Farm Bureau Insurance of Michigan for your insurance needs. Insurance companies decide what rate to charge based upon the potential for loss. Insurance companies consult a number of sources for underwriting information to help them make better, more informed decisions about the potential for loss. Industry research and company claims experience shows that individuals with certain financial characteristics on their credit report are less likely to submit claims. We provide the FB Advantage Discount for insureds with a credit-based insurance score that reflects this reduced claim potential.