A person who has a bad driving record or who has been charged with DUI (Driving Under the Influence) or DWI (Driving While Impaired) will be classified as a high risk driver for Tennessee car insurance purposes. If your driving record is poor, your insurance company may refuse to renew your coverage. In a case where your current insurance company will agree to continue to provide coverage, you will likely be looking at a higher rate.
If your insurance company has given you notice that your current policy will not be renewed, you will need to find a Tennessee insurance company that is prepared to provide coverage. There are companies that are open to providing insurance coverage to high-risk drivers, and there are other ones that specialize in this niche market.
All drivers, including those considered at high risk, should take the time to shop around for coverage. The rates charged by different car insurance companies vary, since each one sets its own pricing. Whatever your past driving record is, do shop around to find the best rates that you can get in your particular situation.
When you ask an insurance company for a quote, be honest about your record. The insurer has access to your driving record, and if the company finds out you lied on your application, it will cancel your policy and you will have to keep looking for coverage. Compare rates and find the best pricing for your situation.