Vehicle Insurance Cost

Reader’s Question:

I plan to travel for extended period of time and will not be taking my vehicle. Is it possible to have my car insurance suspended to save money in Knoxville?

Sandra

Knoxville, TN

Most states require that all registered cars carry a minimum amount of insurance coverage, thus suspending your insurance coverage may also mean dealing with the hassles of canceling or suspending your registration and reinstating it when you get back.

Whatever you do, do not stop paying your car insurance premiums. You may choose to cancel your car insurance policy in Knoxville, Tennessee, and then buy a new policy when you get back but know that a canceled auto insurance policy can appear on your credit report, and can make it extremely hard and expensive for you to obtain car insurance coverage in the future.

You have to weigh the insurance costs of canceling your auto insurance coverage and starting it again versus canceling your car insurance and car registration and then starting your auto insurance and car registration again.

Auto Insurance Traffic School

 

Reader’s Question:

My daughter recently got a speeding ticket in the state of Alabama. She is licensed in Clarksville, Tennessee. Can she just go to court and request for driving school to dismiss this ticket?

Moore

Clarksville, TN

 

According to the Jefferson County traffic court to dismiss a traffic violation that one must first apply to have your case dismissed upon completion of a defensive driving course and payment of court fees. This will permit a person to prevent the accrual of points assessed against an Alabama driver’s license and avoid a court appearance and as a result of the cited violation.

So it seems that it is possible for your daughter to request driving school for her speeding ticket in Alabama but she will need to speak to the court and perhaps the district lawyer to know for certain and get approved. If the speeding ticket is not able to be dismissed with driving school then the Alabama courts will likely tell your home state of Clarksville, Tennessee regarding her speeding violation. According to the Tennessee DPS, if they are informed of out of state moving violation convictions, such as a speeding ticket from AL, the violation will go on your daughter’s Tennessee driving history and points will be assessed.