Auto Insurance for the Miles That Matter
Coverage Designed for How You Drive
Mitchell Agency delivers auto insurance statewide in Indiana, with solutions for commuters, students, new drivers, and multi-vehicle households—and support for out-of-state travel or relocations. We compare multiple companies and right-size liability, collision, and comprehensive so your coverage and costs stay aligned.
What Your Policy Can Include
Liability coverage helps with injuries or property damage you’re responsible for, collision protects your vehicle after an accident, and comprehensive covers losses from theft, hail, or animal strikes—risks common across Indiana. Uninsured and underinsured motorist protection helps when others aren’t adequately covered, and medical payments coverage can assist with out-of-pocket expenses. The Mitchell Agency will review Indiana’s minimum requirements and explain why higher limits often make sense for long-term protection.
Why Work With The Mitchell Agency
Independent guidance means we shop rate and coverage across reputable carriers, explain the trade-offs in plain language, and remain your first call for changes or claims—no call-center maze.
Discounts and Savings Opportunities
Ask about multi-vehicle and multi-policy savings, good student discounts, safe-driver programs, defensive driving, and telematics where available. We’ll help identify every discount you qualify for.
Coverage for All Drivers and Vehicles
Cars, trucks, SUVs, hybrids, and classic cars—we insure them all, including guidance for out-of-state students bringing vehicles to West Lafayette or families adding a teen driver.
Answers to Common Driving Questions
How much auto insurance do I need?
Most states require minimum liability limits, but those may not fully protect your assets if a serious accident occurs. We’ll walk you through the state requirements and help you choose coverage levels that give you better peace of mind.
Is Indiana a no-fault state?
No. Indiana uses an at-fault system, which means the driver responsible for the accident is generally responsible for damages. Having the right liability coverage ensures you’re financially protected if you’re ever at fault.
Can I insure a new teen driver in Lafayette?
Yes. We regularly help families in Lafayette and West Lafayette add teen drivers to their policies, and we’ll explain ways to keep costs manageable. Good student discounts, driver training, and safe-driving programs can all help lower premiums.
Do you offer non-owner policies?
We can provide non-owner liability insurance for drivers who don’t own a car but still need protection. This coverage is often useful for those who rent or borrow vehicles, or need proof of insurance for license reinstatement.
What discounts are available for auto insurance?
Common savings include bundling home and auto, safe driver rewards, multi-vehicle discounts, and good student savings for families. We’ll review your options and make sure you’re getting every discount you qualify for.
