Does having a traffic ticket affect my ability to get car insurance?

Yes, having a traffic ticket in Tennessee can affect your ability to obtain car insurance. Insurance companies review your driving record when they provide you with a quote for car insurance. Most will consider any traffic tickets you have received when calculating your risk. Therefore, if you have a record of violations, you may be seen as a higher risk and be charged higher premiums or even denied coverage altogether. In Tennessee, if you are convicted of a moving violation, it will typically stay on your driving record for three years and can affect the cost of your insurance. Some insurance companies also may consider driving-related offenses that don’t involve moving violations, such as driving with a suspended license or driving without insurance. If you receive a traffic ticket in Tennessee, it is important to take care of it in a timely manner. Otherwise, you can expect insurance companies to consider the ticket when you are looking to purchase car insurance. Some companies may offer you an opportunity to reduce the impact of the ticket by taking an online defensive driving course, but each insurance company is different and not all may offer this option. It is worth checking with each company you are considering to determine what their policies are.

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Does having a traffic ticket affect my ability to get car insurance?

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