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Cheap Auto Insurance in Indianapolis, IN 46235

Want cheap auto insurance in Indianapolis? Auto Insurance Center wants to provide you with the best cheap auto insurance coverage and help you learn more about your city.

As the capital of Indiana, Indianapolis is known as a transportation hub and appropriately nicknamed “Crossroads of America.” Indianapolis also is headquarters for some major U.S. businesses, including Wellpoint, Sallie Mae and Eli Lilly.

The city was founded in 1821 with the intention of creating the city as a state capital. The name combines the state name with the Greek word for city, “polis”. Because the nearby White River could not accommodate steamboats, the city planners worked to built a major road through the city that connected to neighboring towns. This helped keep Indianapolis connected until the railroad was built.

With added transportation from the railroad, the population of Indianapolis grew. By the early 1900s, the auto industry grew within the city with 17 auto and auto parts businesses. The first Indianapolis 500 would be held on May 30, 1911.

Indianapolis also drew on inspiration from 1893 World’s Columbian Exposition for famous public monuments, such as the Indianapolis Soldiers and Sailors Monument and Indiana World War Memorial Plaza Historic District.

Indianapolis attractions include: Indianapolis Motor Speedway, Indianapolis Museum of Art, Children’s Museum of Indianapolis, Eagle Creek Park and Nature Preserve, Monument Circle and Indianapolis Zoo.

Indianapolis has two professional sports teams, the Colts (NFL) and Pacers (NBA). The Colts have had the most recent success, winning the Super Bowl in 2008. In addition, Indianapolis hosts the world’s largest single-day sporting event, the Indianapolis 500 over Memorial Day weekend.

Indianapolis Driving Conditions

Indianapolis falls under the humid continental climate zone. The annual high temperature is 62.4 degrees and the annual low temperature is 43.8 degrees. Heavy rainfall occurs during the spring and summer months, as the area is prone to severe thunderstorms. Summers are hot and humid while winter months are cold, with little to moderate snowfall.

Drivers should be aware of road conditions during the winter months, as snow and ice storms are common for the area.

Crime Statistics

According to the 2015 Crime in the United States report, Indiana had 171,847 accounts of property crime and 13,519 accounts of vehicle theft. Within cities and metropolitan areas in Indiana, vehicle theft was reported 11,447 times.

Indiana Driver’s License

As a legal resident of Indiana, you’ll need to obtain an Indiana driver’s license. Those with a valid out-of-state driver’s license will need to take a knowledge exam and a vision screening test.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of Indiana residency and proof of your Social Security number.

Seat Belt Laws

Indiana law requires all passengers to use seat belts at all times while the vehicle is in motion.

Indiana’s child passenger safety law requires all children younger than 8 to be restrained in a federally approved child restraint system. Children should be in a booster seat until they are big enough to fit in a seat belt properly.

Cell Phone & Texting Laws

It’s against the law in Indiana to talk on the phone or text while driving.

Odd Law

It’s against the law in Indiana to catch a fish using your bare hands, firearm or electric current. However, you can use a bow and arrow with the proper fishing license.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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