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Cheapest Auto Insurance in Memphis, TN
While many things in Memphis are affordable, car insurance can often be expensive. Our company is dedicated to helping you find the most affordable rates on the market. We also provide you with all the local driving information you’ll need to operate safely on the roads. Having a clean driving record is one of the best ways to get the premium you’re looking for. Check out all of our research below!
Memphis: Driving Conditions in the City
In terms of driving conditions in Memphis, the traffic can be quite a nuisance. If you want to avoid issues on the road, it’s best to check traffic reports well in advance of starting your journey. If you do decide to travel through traffic, you should always make sure to stay vigilant during peak times.
In terms of weather, Memphis doesn’t have the same issues with snow and ice as the Northeast. This being said, they do have the occasional snow storm and can receive around three inches of snow per year on average. If you want to avoid issues with snow and ice, make sure to keep an eye on news forecasts. The city of Memphis is not well-equipped to deal with serious ice or snow storms. Make sure to keep this in mind when you venture out on the roads during wintery conditions.
Driving Safely in Memphis, Tennessee
If you want to reduce your risks on the road, it’s very important that you listen to local rules and regulations. Local and state officials use a variety of different laws and tactics to help ensure individuals are safe on the roads. If you want to avoid dangerous situations, follow these rules as closely as possible.
In addition, if you follow these rules you are much less likely to receive a ticket from a police office or local official – this can save you money and ensure your driving record is clean. Check out the most popular road rules below:
Phone/Handheld Laws in Memphis
You are not allowed to text and drive anywhere in the state of Tennessee – this includes Memphis. In addition, to this law, you are not allowed to talk on the phone while you are driving through a school zone. This law is in place to help protect children walking across roads during school hours. This being said, talking on the phone at any point while driving is a seriously dangerous act. You should be looking to avoid speaking on the phone while driving at all times.
Seatbelt and Car Seat Laws in Memphis
Memphis has strict seatbelt laws for those travelling in car within the state. They require all passengers and drivers to wear seatbelts regardless of age. You should always wear a seatbelt if you’re driving in Memphis.
In terms of car seats, the laws depend on the age of the child in question. Those three or under must use a secured car seat for transportation. Those over the age of four — and under the age of eight –must use a booster. You must continue to use a booster seat until you are 4’ 9” tall. Make sure to take this seriously – the safety of your children is paramount. Ignoring these laws can land you in seriously hot water with the police.
Helmet Laws in Memphis
If you are travelling on a motorcycle in the state of Tennessee, you must wear a helmet at all times. Not doing so is considered illegal. This is applicable to both the driver of the motorcycle and passengers. Regardless of this law, it is always safe practice to wear a helmet when you are driving a motorcycle – not doing so can result in serious injury or death.
Alcohol and Drug Laws (Driving)
Impaired driving is one of the leading causes of death on American roads. For this reason, both national and state officials have made considerable attempts to curtail some of the associated issues with driving on drugs and alcohol. If you are driving anywhere in the state of Tennessee, you are deemed to be eligible for a DUI if you have a blood alcohol concentration (BAC) over .08. If you are under the age of 21, this limit is lowered to .02 – you should never operate a vehicle if you’re under 21 and drinking alcohol.
If you are caught driving under the influence (DUI), then you can be given a $350+ fine, two days in jail, towing costs, storage, and more. This is for first time offenders. If you are a repeat offender, the penalties will increase. The same goes for you if you are someone who has an extremely high BAC or if you have underage children in the vehicle while you are impaired.
If you look at traffic accidents in Memphis, there has been a significant increase in recent times. There were 20 percent more accident related deaths in 2016 when compared to 2015 – this is a huge increase. In 2016, there were a total of 130 people killed in car accidents on Memphis roads. Make sure to be as careful as possible when driving in Memphis — as the data suggests, it’s getting more dangerous.
There are plenty of ways to help reduce your exposure to risk when driving on roads in Memphis. One thing you should also do is insure your car with a great online auto insurance company. Check out some quotes from our partners if you want to save significant money with cheap car insurance in TN. We have plenty of resources on our site if you need more information on auto insurance.
Car Insurance Companies in Memphis
Bill Blake Insurance Company
5724 Mt Moriah Rd, Memphis, TN 38115, USA
Bill Blake Auto Insurance
3981 Frayser-Raleigh Rd, Memphis, TN 38128, USA
Bill Blake Auto Insurance
3880 Elvis Presley Blvd, Memphis, TN 38116, USA
AutoSave Insurance Agency
2550 Poplar Ave, Memphis, TN 38112, USA
Direct Auto and Life Insurance
1517 Union Ave, Memphis, TN 38104, USA
Kellett Insurance Agency
4608 Quince Rd, Memphis, TN 38117, USA
Auto Body Shops in Memphis
Brewer's Body Shop
1401 Poplar Ave, Memphis, TN 38104, USA
Abra Auto Body Repair of America
5680 Mt Moriah Rd, Memphis, TN 38115, USA
Maaco Collision Repair & Auto Painting
5653 Mt Moriah Rd, Memphis, TN 38115, USA
Abra Auto Body Repair of America
2419 Covington Pike, Memphis, TN 38128, USA
Hilltop Body Shop
3242 Jean Dr, Memphis, TN 38118, USA
Service King Collision Repair of Germantown
7291 Winchester Rd, Memphis, TN 38125, USA
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