Owner Operators Commercial Truck Insurance Near Me Muncie, Indiana
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Muncie, Indiana. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Muncie, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Muncie, Indiana in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Muncie ( MUN-see) is an incorporated city and the seat of Delaware County, Indiana, United States. Previously known as Buckongahelas Town, named after the legendary Delaware Chief, it is located in East Central Indiana, about 50 miles (80 km) northeast of Indianapolis. At the 2020 United States Census, the city’s population was 65,194. It is the principal city of the Muncie Metropolitan Statistical Area, which encompasses all of Delaware County. The city is also included in the Indianapolis–Carmel–Muncie, IN Combined Statistical Area.
The Lenape (Delaware) people, led by Buckongahelas arrived in the area in the 1790s, founding several villages, including one known as Munsee Town, along the White River. The trading post, renamed Muncietown, was selected as the Delaware County seat and platted in 1827. Its name was officially shortened to Muncie in 1845 and incorporated as a city in 1865. Muncie developed as a manufacturing and industrial center, especially after the Indiana gas boom of the 1880s. It is home to Ball State University. As a result of the Middletown studies, sociological research that was first conducted in the 1920s, Muncie is said to be one of the most studied United States cities of its size.
The area was first settled in the 1790s by the Lenape (Delaware) people, who were forced west from their tribal lands in the Mid-Atlantic region (all of New Jersey, southeastern New York, eastern Pennsylvania, and northern Delaware) to new lands in present-day Ohio and eastern Indiana. The Lenape founded several towns along the White River, including Munsee Town, near the site of present-day Muncie.
Contrary to popular legend, the city’s early name of Munsee Town is derived from the “Munsee” clan of Lenape people, the white settlers’ name for a group of Native Americans whose village was once situated along the White River. There is no evidence that a mythological Chief Munsee ever existed. (“Munsee” means a member of or one of their languages.)
In 1818, the area’s native tribes ceded their lands to the federal government under the terms of the Treaty of St. Mary’s and agreed to move farther west by 1821. New settlers began to arrive in what became Delaware County, Indiana, about 1820, shortly before the area’s public lands were formally opened for purchase. The small trading village of Munsee Town, renamed Muncietown, was selected as the Delaware County seat and platted in 1827. On January 13, 1845, Indiana’s governor signed legislation passed by the Indiana General Assembly to shorten the town’s name to Muncie. Soon, a network of roads connected Muncie to nearby towns, adjacent counties, and to other parts of Indiana. The Indianapolis and Bellefontaine Railroad, the first to arrive in Muncie in 1852, provided the town and the surrounding area with access to larger markets for its agricultural production, as well as a faster means of transporting people and goods into and out of the area.
Muncie incorporated as a town on December 6, 1854, and became an incorporated city in 1865. John Brady was elected as the city’s first mayor. Muncie’s early utility companies also date to the mid-1860s, including the city’s waterworks, which was established in 1865.
After the American Civil War, two factors helped Muncie attract new commercial and industrial development: the arrival of additional railroads from the late 1890s to the early 1900s and the discovery of abundant supplies of natural gas in the area. Prior to the discovery of nearby natural-gas wells and the beginning of the gas boom in Muncie in 1886, the region was primarily an agricultural area, with Muncie serving as the commercial trading center for local farmers.
The Indiana gas boom of the 1880s ushered in a new era of prosperity to Muncie. Abundant supplies of natural gas attracted new businesses, industries, and additional residents to the city. Although agriculture continued to be an economic factor in the region, industry dominated the city’s development for the next 100 years. One of the major manufacturers that arrived early in the city’s gas-boom period was the Ball Brothers Glass Manufacturing Company, which was renamed the Ball Corporation in 1969. The Ball brothers, who were searching for a new site for their glass manufacturing business that was closer to an abundant natural-gas supply, built a new glass-making foundry in Muncie, beginning its glass production on March 1, 1888. In 1889 the company relocated its metal manufacturing operations to Muncie.
In addition to several other glass factories, Muncie attracted iron and steel mills. Kitselman Steel & Wire Company was the largest employer in Indiana in 1900 with 11,000 employees; it later became Indiana Steel & Wire. Others included Republic Iron and Steel Company and the Midland Steel Company. (Midland became Inland Steel Company and later moved to Gary, Indiana.) Indiana Bridge Company was also a major employer. By the time the natural gas supply from the Trenton Gas Field had significantly declined and the gas boom ended in Indiana around 1910, Muncie was well established as an industrial town and a commercial center for east-central Indiana, especially with several railroad lines connecting it to larger cities and the arrival of automobile industry manufacturing after 1900.
Numerous civic developments also occurred as a result of the city’s growth during the 1870s, 1880s, and 1890s, when Muncie citizens built a new city hall, a new public library, and a new high school. The city’s gasworks also began operations in the late 1870s. The Muncie Star was founded in 1899 and the Muncie Evening Press was founded in 1905. A new public library, which was a Carnegie library project, was dedicated on January 1, 1904, and served as the main branch of the city’s public library system.
The forerunner to Ball State University also arrived in the early twentieth century. Eastern Indiana Normal School opened 1899, but it closed after two years. Several subsequent efforts to establish a private college in Muncie during the late nineteenth and early twentieth centuries also failed, but one proved to be very successful. After the Ball brothers bought the school property and its vacant buildings and donated them to the State of Indiana, the Indiana State Normal School, Eastern Division, the forerunner to Ball State University, opened in 1918. It was named Ball Teachers College in 1922, Ball State Teachers College in 1929, and Ball State University in 1965.
Beginning in the late nineteenth century, in tandem with the gas boom, Muncie developed an active cultural arts community, which included music and art clubs, women’s clubs, self-improvements clubs, and other social clubs. Hoosier artist J. Ottis Adams, who came to Muncie in 1876, later formed an art school in the city with fellow artist, William Forsyth. Although their school closed with a year or two, other art groups were established, most notably the Art Students’ League (1892) and the Muncie Art Association (1905).
By the early twentieth century several railroads served Muncie, which helped to establish the city as a transportation hub. The Cincinnati, Richmond and Muncie Railroad (later known as the Chesapeake and Ohio Railway) reached Muncie in 1903. The Chicago, Indiana, and Eastern Railroad (acquired by a subsidiary of the Pennsylvania Railroad system) and the Chicago and Southeastern (sometimes called the Central Indiana Railroad) also served the city. In addition to the railroads, Muncie’s roads connected to nearby towns and an electric interurban system, which arrived in the early 1900s, linked it to smaller towns and larger cities, including Indianapolis and Fort Wayne, Indiana, and Dayton, Ohio.
With the arrival of the auto manufacturing and the related auto parts industry after the turn of the twentieth century, Muncie’s industrial and commercial development increased, along with its population growth. During World War I local manufacturers joined others around the county in converting their factories to production of war material. In the 1920s Muncie continued its rise as an automobile-manufacturing center, primarily due to its heavy industry and skilled labor force. During this time, the community also became a center of Ku Klux Klan activity. Muncie’s Klan membership was estimated at 3,500 in the early 1920s. Scandals within the Klan’s leadership, divisions among its members, and some violent confrontations with their opponents damaged the organization’s reputation. Increasing hostility toward the Klan’s political activities, beliefs, and values also divided the Muncie community, before its popularity and membership significantly declined by the end of the decade.
Muncie residents also made it through the challenges of the Great Depression, with the Ball brothers continuing their role as major benefactors to the community by donating funds for construction of new facilities at Ball State and Ball Memorial Hospital. (The hospital, which opened in 1929, later affiliated with Indiana University Health.) The Works Progress Administration (WPA) also provided jobs such as road grading, city sewer improvements, and bridge construction.
In the 1920s, Robert and Helen Lynd led a team of sociologists in a study of a typical middle-American community. The Lynds chose Muncie as the locale for their field research, although they never specifically identified it as “Middletown” the fictional name of the town in their study. Muncie received national attention after the publication of their book, Middletown: A Study in Contemporary American Culture (1929). The Lynds returned to Muncie to re-observe the community during the Depression, which resulted in a sequel, Middletown in Transition: A Study in Cultural Conflicts (1937). The Lynds’ Middletown study, which was funded by the Rockefeler Institute of Social and Religious Research, was intended to study “the interwoven trends that are the life of a small American city.”
The Lynds were only the first to conduct a series of studies in Muncie. The National Science Foundation funded a third major study that resulted in two books by Theodore Caplow, Middletown Families (1982) and All Faithful People (1983). Caplow returned to Muncie in 1998 to begin another study, Middletown IV, which became part of a Public Broadcasting Service documentary titled “The First Measured Century”, released in December 2000. The Ball State Center for Middletown Studies continues to survey and analyze social change in Muncie. A database of Middletown surveys conducted between 1978 and 1997 is available online from the Association of Religion Data Archives (ARDA). Due to the extensive information collected from the Middletown studies during the twentieth century, Muncie is said to be one of the most studied cities of its size in the United States.
In addition to being called a “typical American city”, as the result of the Middletown studies, Muncie is known as Magic City or Magic Muncie, as well as the Friendly City.
During World War II the city’s manufacturers once again turned their efforts to wartime production. Ball State and Muncie’s airport also trained pilots for the U.S. Navy. The postwar era was another period of expansion for Muncie, with continued growth and development of industries, construction of new homes, schools, and businesses. A population boom brought further development, especially from 1946 to 1965.
Since the 1950s and 1960s Muncie has continued as an education center in the state and emerged as a regional health center. As enrollment at Ball State increased, new buildings were erected on the college’s campus. Ball Memorial Hospital also expanded its facilities. However, by the 1960s, industrial trends had shifted. Beginning in the 1970s several manufacturing plants closed or moved elsewhere, while others adapted to industrial changes and remained in Muncie. Ball Corporation, for example, closed its Muncie glass manufacturing facilities in 1962 and its corporate headquarters relocated to Broomfield, Colorado in 1998. Muncie was also home to other manufacturing operations, including Warner Gear (a division of BorgWarner), Delco Remy, General Motors, Ontario Corporation, A. E. Boyce Company, and Westinghouse Electric, among others.
In 2017, the Muncie Community Schools system was declared a “distressed political subdivision”, and put in direct control of the state government. In 2018, the school district was reformed and a new board was appointed by Ball State’s Board of Trustees.
In 2021, following the Fall of Kabul and the U.S. withdrawal from the War in Afghanistan, several Afghan refugees arrived in Camp Atterbury, near Edinburgh, Indiana. Munsonian members of the nationwide organization, Afghan Women’s and Kids’ Education and Necessities (AWAKEN) formed the Muncie Afghan Refugee Resettlement Committee (MARRC) to help Afghan refugees resettle in Muncie. Afghan refugees began arriving in Muncie soon after. As the AWAKEN organization wanted to continue work directly in Afghanistan, the temporary MARRC organization was closed. However, the presence of 130 Afghan refugees in Muncie in late 2022 compelled continued work in medical advocacy, employment, legal aid, and financial and reading education. A new organization, Refugee Alliance of Delaware County (RADC), was formed to welcome any refugees in Muncie and help them in establishing and building a new life.
The black population in Muncie grew from 3.7% in 1890, to 5.6% in 1920, and to 13.2% in 2013. In 1920, the city had the fifth-largest black population in Indiana with 2,054 black residents. Two major parades were held by the Ku Klux Klan in 1922 and 1924, with the mayor and police chief attending the 1924 parade. The first black police officer in Muncie was hired in 1899, and the city’s first black police chief took his position in 1995. The first black teacher in the city was hired in 1952, and the first black principal was appointed in 1956.
According to Hurley Goodall, the first serious black political candidate in Muncie was Wayne Brooks, who ran for the Republican nomination for mayor in 1934. Ray Armstrong was elected as the first black member of the city council in 1951 and Alice McIntosh was elected as the first black female member of the city council in 1983. Goodall was the first black person elected to the city’s school board and later to represent the area in the state house. No other black person served Muncie’s school board after Goodall’s election to the state house until Carl Kizer Jr.’s appointment to the board in 1993. The school board became majority black for the first time after the 2008 election.
According to the 2010 census, Muncie has a total area of 27.392 square miles (70.94 km), of which 27.2 square miles (70.45 km) (or 99.3%) is land and 0.192 square miles (0.50 km) (or 0.7%) is water.
Muncie has a humid continental climate (Köppen climate classification Dfa) experiencing four distinct seasons.
As of the census of 2020, there were 65,194 people, 26,692 households and 6,179 families residing in the city. The population density was 2,577.0 inhabitants per square mile (995.0/km). There were 31,183 housing units at an average density of 1,129.8 per square mile (436.2/km). The racial makeup of the city was 78.0% White, 11.6% African American, 0.3% Native American or Alaskan Native, 1.5% Asian, 0.1% Native Hawaiian or Pacific Islander, 2.1% from other races and 6.5% were from two or more races. Hispanic and Latino of any race were 4.2% of the population.
There were 26,692 households, of which 16.2% had children under the age of 18 living with them, 29.6% were married couples living together, 35.7% had a female householder with no husband present, 26.2% had a male householder with no wife present, and 8.5% were non-families. 61.9% of all households were made up of individuals. The average household size was 2.44 and the average family size was 3.09.
50.1% of the population had never been married, 29.6% were married and not separated, 5.7% were widowed, 13.1% were divorced, and 1.6% were separated.
The median age of the city was 28.8. 4.4% of residents were under the age of 5, 16.2% were under 18 years, 83.8% were age 18 or older, and 14.0% were age 65 or older. 5.8% of the population were veterans.
The most common language spoken at home was English with 95.5% speaking it at home, 1.7% spoke Spanish at home, 1.4% spoke an Asian or Pacific Islander language at home, 1.3% spoke another Indo-European language at home, and 0.1% spoke some other language. 2.6% of the population were foreign born.
The median household income in Muncie was $34,602, 38.4% less than the median average for the state of Indiana. 30.2% of the population were in poverty, including 32.6% of residents under the age of 18. The poverty rate for the town was 17.3% higher than that of the state. 18.6% of the population was disabled and 8.7% had no healthcare coverage. 34.3% of the population had attained a high school or equivalent degree, 19.7% had attended college but received no degree, 8.9% had attained an Associate’s degree or higher, 14.0% had attained a Bachelor’s degree or higher, and 11.6% had a graduate or professional degree. 20.4% had no degree. 53.2% of Muncie residents were employed, working a mean of 34.0 hours per week. The median gross rent in Muncie was $714 and the homeownership rate was 50.0%. 4,491 housing units were vacant at an average density of 162.7 per square mile (62.8/km).
As of the census of 2010, there were 70,085 people, 27,722 households, and 13,928 families residing in the city. The population density was 2,576.7 inhabitants per square mile (994.9/km). There were 31,958 housing units at an average density of 1,174.9 per square mile (453.6/km). The racial makeup of the city was 84.0% White, 10.9% African American, 0.3% Native American, 1.2% Asian, 0.1% Pacific Islander, 0.8% from other races, and 2.8% from two or more races. Hispanic or Latino of any race were 2.3% of the population.
There were 27,722 households, of which 23.9% had children under the age of 18 living with them, 31.5% were married couples living together, 14.1% had a female householder with no husband present, 4.6% had a male householder with no wife present, and 49.8% were non-families. 35.2% of all households were made up of individuals, and 10.9% had someone living alone who was 65 years of age or older. The average household size was 2.22 and the average family size was 2.85.
The median age in the city was 28.1 years. 17.8% of residents were under the age of 18; 27.5% were between the ages of 18 and 24; 21.4% were from 25 to 44; 20.2% were from 45 to 64; and 13% were 65 years of age or older. The gender makeup of the city was 47.5% male and 52.5% female.
As of the census of 2000, there were 67,430 people, 27,322 households, and 14,589 families residing in the city. The population density was 2,788.2 inhabitants per square mile (1,076.5/km). There were 30,205 housing units at an average density of 1,248.9 per square mile (482.2/km). The racial makeup of the city was 83.72% White, 12.97% African American, 0.27% Native American, 0.79% Asian, 0.09% Pacific Islander, 0.67% from other races, and 1.49% from two or more races. Hispanic or Latino of any race were 1.44% of the population.
There were 27,322 households, out of which 23.7% had children under the age of 18 living with them, 36.4% were married couples living together, 13.0% had a female householder with no husband present, and 46.6% were non-families. 34.1% of all households were made up of individuals, and 11.8% had someone living alone who was 65 years of age or older. The average household size was 2.24 and the average family size was 2.86.
In the city, the age distribution of the population shows 19.8% under the age of 18, 24.6% from 18 to 24, 24.2% from 25 to 44, 18.3% from 45 to 64, and 13.2% who were 65 years of age or older. The median age was 29 years. For every 100 females, there were 89.9 males. For every 100 females age 18 and over, there were 86.5 males.
The median income for a household in the city was $26,613, and the median income for a family was $36,398. Males had a median income of $30,445 versus $21,872 for females. The per capita income for the city was $15,814. About 14.3% of families and 23.1% of the population were below the poverty line, including 24.2% of those under age 18 and 9.7% of those age 65 or over.
From its early days as a regional trading center for the surrounding agricultural community to its first wave of industrial development brought on by the Indiana gas boom in the mid-1880s, Muncie has retained its ties to an industrial economy, and to a lesser extent its agricultural roots. In addition, the arrival of the forerunner to Ball State in the early twentieth century contributed to Muncie’s development as an educational center, while Ball Memorial Hospital, established in 1929, led to the city’s reputation as a healthcare center for east-central Indiana.
Muncie’s major industrial development included glass manufacturing, iron and steel mills, and automobile manufacturing and auto parts factories. Among its early major employers was the Ball Corporation, established by the Ball brothers of Buffalo, New York, who opened a glass factory in Muncie in 1888. Other notable manufacturers in addition to the Ball Corporation with operations in Muncie have included BorgWarner, The Broderick Company (aformer division of Harsco), Dayton-Walther Corporation, Delco Remy, General Motors, New Venture Gear, Hemingray Glass Company, Ontario Corporation, A. E. Boyce Company, Indiana Steel and Wire, and Westinghouse Electric.
Changing industrial trends caused shifts in the city’s economic development. As in many mid-sized cities in the Rust Belt, deindustrialization, which began in the 1960s, impacted Muncie’s economy. Several manufacturing plants closed or moved elsewhere. From 2001 to 2011, Muncie lost thousands of jobs as the city continued transitioning from a blue-collar workforce to a white-collar service economy primarily based on health care, education, and retail.
Muncie has attracted some new manufacturers, while older factories have been converted to other industrial uses. In 2009, Muncie became the U.S. headquarters for Brevini Wind, an Italian-based company that manufactures gearboxes for wind turbines. In 2011, locomotive maker Progress Rail (a subsidiary of Caterpillar Inc) opened in a former Westinghouse facility that had been vacant since 1998.
The local economy is a controversial topic among Munsonians. While many older unemployed or underemployed residents strongly identify with the manufacturing identity of the city, newer residents identify with the city’s shift towards educational and health services. Contention is greatest among residents living in the once-industrialized sections of the city’s south side, as much of the economic growth over that last few decades has taken place on Muncie’s north side. The city also struggles to retain college graduates. Despite Ball State’s presence, only 32.2 percent of Delaware County’s working-age adults (ages 25–64) hold a two-year or four-year college degree, which is below the national average.
The first decade of the 21st century saw a cultural shift toward local businesses and economic empowerment, boosted by the Muncie Downtown Development Partnership and the residents, patrons, and business owners of the downtown community. In 2007, Muncie was rated the most affordable college town in America by real estate company Coldwell Banker. In 2015, Forbes ranked Muncie 27th among small places for business and careers and 18th for cost of doing business. First Merchants Corporation is based in Muncie, and the first Scotty’s Brewhouse location opened in the city in 1996.
As of September 2022, the largest employers in the city were:
The David Owsley Museum of Art collection, which includes over 11,000 works, has been in the Fine Arts Building on the Ball State University campus since 1935. The Horizon Convention Center, located downtown, offers 47,000 square feet (4,400 m) of exhibition space and houses the Muncie Children’s Museum. The city also has a large group of independent art galleries.
Three of the city’s largest performing arts centers belong to Ball State University: the 3,581-seat Emens Auditorium, the 600-seat Sursa Performance Hall, and the 410-seat University Theatre. Downtown performing arts spaces include the Muncie Civic Theatre and Canan Commons, an outdoor amphitheater and greenspace that opened in 2011. In addition, the Muncie Ballet and the Muncie Symphony Orchestra are prominent in the city’s arts community.
Minnetrista Cultural Center, just north of downtown along the White River, is a cultural heritage museum featuring exhibits and programs focusing on nature, east-central Indiana history, and art. The 40-acre (16-hectare) campus includes historic homes that were once owned by the Ball family, themed gardens, outdoor sculptures, and a portion of the White River Greenway. The Cardinal Greenway, Indiana’s longest rail trail project, stretches 60 miles (97 km) from Richmond to Marion, Indiana. Designated a National Recreation Trail in 2003, it is part of the American Discovery Trail. The Ball State campus is home to Christy Woods, an 18-acre (7.3-hectare) arboretum, three greenhouses, and the Wheeler Orchid Collection and Species Bank.
Muncie’s music scene has been home to such acts as Brazil, Everything, Now!, and Archer Avenue (ex-Margot & the Nuclear So and So’s). Muncie MusicFest. Muncie also has a network of craft beer enthusiasts.
Muncie is home to the NCAA Division I Ball State Cardinals which is a member of the Mid-American Conference. Notable sports include football (played at Scheumann Stadium), men’s basketball (played at John E. Worthen Arena), and baseball (played at Ball Diamond).
Muncie was once home to the Muncie Flyers, also known as the Congerville Flyers, the city’s professional football team from 1905 to 1925. The Muncie team was one of the eleven charter members of National Football League (NFL). It played in the league in 1920 and 1921.
Muncie was also home to the Muncie Flyers, a minor league hockey team. The team played in the International Hockey League for a single season in 1948–1949.
Muncie Central High School is home to the Muncie Fieldhouse, the fifth-largest high school gym in the United States.
The county government is a constitutional body and is granted specific powers by the Constitution of Indiana, and by the Indiana Code.
As a second class city in Indiana (pop. 35,000 to 599,999), Muncie is governed by a Mayor and a nine-member city council as well as a city clerk and city judge. City elections for Mayor, city council, city judge, and city clerk are held in odd years immediately preceding presidential elections (2015, 2019, etc.). The current mayor is Dan Ridenour, a Republican first elected in 2019. The current city clerk is Belinda Munson and the current city judge is Amanda Dunnuck. The nine-members of the city council are divided into six members elected from districts and three members elected at-large. The current members of the city council are:
As part of the Indianapolis market, Muncie receives Indianapolis’ network affiliates. East Central Indiana’s PBS member station, WIPB, is located in Muncie. The Joy of Painting was filmed at WIPB.
Until 1986 Muncie’s Wysor Street Depot at 700 East Wysor Street was a passenger train stop on the Chicago-Cincinnati service of Amtrak’s Cardinal. Until 1971, Muncie Union Station was a stop on the Penn Central’s Indianapolis-Cleveland on the route of the New York Central’s former Southwestern Limited (St. Louis-New York City) and Cleveland Special (Indianapolis-Cleveland).
Freight service is provided by CSX and Norfolk Southern. Railroad equipment supplier Progress Rail opened a manufacturing facility in 2011.
Muncie Indiana Transit System (MITS) provides 14 fixed bus routes daily, except Sundays.
Note: This list does not include Ball State University graduates. Please see List of Ball State University alumni for notable alumni.
Muncie has five sister cities, as designated by Sister Cities International:
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
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UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.