Tennessee Auto Insurance Question

Reader’s Question:

I have a learners permit and I am wondering if its possible to get car insurance with just my learners permit in Tennessee?

John

Chattanooga, TN

 

Yes, it is possible to obtain a policy with a learner’s permit with certain carriers.

You will either typically need an drivers license or be able to get one within 30 to 45 days. Depending on your age, the insurance carrier will probably make you obtain a regular driver’s license within 30 days of your policy’s inception date. In addition to that, if you only have a learner’s permit, the insurance carrier may require you take out the insurance policy with a motorist on it who has a regular operator’s license.

If your parents already have an insurance policy, you should see if you can be listed to their insurance policy for coverage.

Memphis Auto Insurance Rates

Reader’s Question:

If I received a speeding ticket in Virginia, but I am licensed in Memphis Tennessee, will I receive points on my TN drivers license still?

Jane

Memphis, TN

Virginia is part of the Drivers License Compact (DLC) but Tennessee is not a member of DLC. Still, TN does acquire information from other states regarding moving violation convictions.

If the Virginia courts notify the Tennessee Department of Safety regarding the speeding citation, if you are convicted of it, then it will likely go on your TN driving record. According to the TN Department of Safety if you are convicted of an out of state ticket, such as speeding in VA, and their courts notify the TN DPS that the offense will go on your driving record and points will be assessed.