| Every state has different laws and minimum | | | | be allowed to operate a motorized vehicle. |
| requirements for automobile insurance, and no | | | | Tennessee now has Driver Distraction Laws that |
| one is guaranteed they will be issued a policy to | | | | apply to cell phone and texting usage. Senate bill |
| provide the coverage they need. There are some | | | | 393 prohibits the use of text-based |
| things you should know before applying for | | | | communicating while operating a motorized vehicle. |
| coverage, and here are some tips on getting | | | | You can be pulled over and fined for talking on |
| Tennessee Auto Insurance. | | | | your cell phone while you are behind the steering |
| The Tennessee minimum liability coverage is | | | | wheel and in motion. Pull over in a parking lot to |
| $25,000 bodily injury for one person, $50,000 for | | | | carry on your conversation, and then hang up |
| each accident, $15,000 for property damage and | | | | before you get back out on the roadways. |
| other limits may apply. Check with your agent to | | | | The State of Tennessee has a Graduated Driver |
| make sure what you are required to carry, and | | | | Licensing law for teen drivers. They must be 15 |
| then select a payment plan to suit your needs. | | | | years of age before they can test and obtain a |
| DUI laws in Tennessee consider a BAC of 0.08% | | | | Tennessee Learner's Permit. This permit is only |
| for personal use drivers, 0.04% for commercial | | | | valid if the teen has a licensed driver in the front |
| drivers and 0.02% for minors. There is an | | | | seat of the vehicle and the adult is sober. There is |
| enhanced sentencing for a BAC of 0.15% and | | | | also a seatbelt law and you will be fined if caught |
| higher. Determine the percentage you were | | | | not having it properly buckled and in place. |
| charged with and follow the instructions for how | | | | It is easy to obtain Tennessee auto insurance if |
| to apply for coverage. | | | | you have a valid Tennessee driver's license and |
| If your any reason your license is suspended, you | | | | are over 15 years old, with no DUI. If you have |
| will have to obtain SR-22 coverage in order to get | | | | had any accidents, it will depend on how many |
| your license reinstated. It is required for any one | | | | you have had in the last to many months and it |
| of a number of reasons, but most often it is the | | | | will greatly effect your premium if you have |
| result of suspending your license. If you are not | | | | wrecks or speeding tickets on our record. |
| able to have your license reinstated you will not | | | | |
