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Indianapolis, Indiana Car Insurance


The Indianapolis Department of Transportation has begun planning changes for some of the worst commute bottlenecks in the city. The I-69 corridor is a high priority for the commission working on the plans, but they haven't gotten much further than deciding that something needs to be done. Until the work actually begins, commuters will still have to deal with long sections of stop and go driving on the interstate during rush hour. Finding a way to stay sane during a frustrating commute can help you avoid accidents, which will keep your car insurance costs down.

Arrange Meals so You Aren't Reliant on Fast Food

Since you know you will spend extra time every morning and evening trying to navigate the bottleneck on I-69, you can plan your meals so that they don't add to the stress of the situation. One easy way to eat home-cooked meals when you are rarely home is to use a crock pot. You just fill up the pot in the morning and your meal will be hot and ready to eat by the time you get home. You could also spend part of the weekend preparing meals that you can put in the freezer and quickly reheat when you walk in the door at night.

Get Outside at Lunchtime

Being stuck in a slow-moving car can be depressing. If you go directly from your car to your office every day, you might begin to feel constantly trapped in a confining space. Try to get out of the office during your lunch break. Go for a walk and stretch your legs. Moving around outside for at least a little while can help you feel less claustrophobic when stuck in a traffic jam later.

Take Advantage of Portable Technology

There are several high tech ways to keep you entertained during a long, slow commute. Audio books are available for almost all of the books released on the market today. Podcasts through your favorite mp3 player can be channeled through your stereo system. Find something that will entertain you and take your mind off the slow crawl of the daily commute. You can catch up on your reading or listen to your favorite sports show while you are waiting to get to work or home every day.

Take a Deep Breath

Being stuck in traffic can cause you to become tense, which is unhealthy if it happens every single day. While you are in the worst of the traffic, remember to take a deep breath. Think about relaxing your muscles from the tip of your toes to the top of your head. Staying calm and relaxed will help you stay healthy, and it help you deal with sudden unexpected changes in traffic more effectively. Your risk of being in an accident and causing your insurance rates to rise is much higher if you are gripping the steering wheel tightly and feeling frustrated or urgent. Relaxing helps you make better decisions. Enter your zip code in the form on this page for a chance to compare car insurance rates.

Indianapolis is the capital of Indiana, the state's largest city, and the fourteenth largest city in the United States. The city has a well diversified economy and serves as the central transportation and logistical hub for the entire state. As of the fourth quarter of 2009, Indianapolis was ranked as having the most affordable major housing market in the country and in the same year it was also ranked the best city in the country for recent graduates. Although Indianapolis has fared better than many major cities in the current recession, it was still hit hard by the foreclosure trend in 2008 and will take sometime to recover.

As the state's largest city, it also had the most automobile accidents of any city in the state as well. The statistics have not been released for 2009, but in 2008 Indianapolis had 24,531 traffic accidents, resulting in the deaths of eighty-three people and the injuring of 6,384. Of these accidents, 1,010 were related to alcohol consumption and 2,448 were related to driving too fast. The worst intersection in the city, having the most traffic accidents was at 86th Street and Keystone Avenue, which was the scene of forty accidents. Indianapolis also has a less than perfect record of drivers using their safety belts, with a usage rate of 92.3 percent.

Drivers living within Indianapolis or the surrounding metropolitan area can expect that they will have to pay more for their car insurance simply because of their address, all other factors notwithstanding. Nevertheless, residents of Indiana still pay considerably less than residents of many other states, with Indiana ranking as the tenth least expensive state in the country for auto insurance as determined by average expenditure (according to information from the National Association of Insurance Commissioners for 2007). Depending on the driver's record and other factors, they may still be able to get considerably less expensive rates in Indianapolis than would be the case in many other major cities.

Car Insurance in Indiana


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