1. What does auto liability insurance pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
2. What does collision coverage pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
3. What does comprehensive coverage pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
4. What does Personal Injury Protection or Medical Payments coverage pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
5. What does uninsured motorist (UM) coverage pay for?
(check all that apply)
  • Claims you make even if you have been late paying your premium
  • Car damage to someone you hit who doesn't have insurance
  • Bodily injury to you and your passengers if your car is hit by someone without insurance
  • Bodily injury to you and your passengers if your car is hit by a hit-and-run driver
6. If your car is totaled, what does gap insurance pay for?
(Select One)
  • The difference between the "actual cash value" of the vehicle and the amount owed on a car loan
  • The difference between the "actual cash value" of the vehicle and the amount you paid for the car
  • The difference between the amount owed on a car loan and the amount your paid for the car
7. What factors can car insurance companies typically use when setting rates for full coverage?
(check all that apply)
  • Your age
  • Your gender
  • Your address
  • The length of your daily commute
  • Your occupation
  • Your credit history
  • Your past accidents
  • Tickets you have received
  • The model of your car
  • The year of your car
  • The color of your car
8. If a friend told you she has liability limits of 25/50/40, what does that mean?
(Select One)
  • $25,000 for damage to her own car, $50,000 for damage to someone else's car, $40,000 for bodily injury payments
  • $25,000 for bodily injury to one person in an accident, $50,000 for bodily injury per accident, $40,000 for property damage
  • $25,000 if someone else's car is totaled, $50,000 if her car is totaled, $40,000 for injury payments
  • $25,000 for bodily injury to her own passengers, $50,000 for damage to her car, $40,000 for damage to someone else's car
9. If a friend borrows your car and crashes it, whose insurance pays?
(Select One)
  • Your friend's insurance
  • Your own insurance
10. What are typical discounts auto insurance companies will offer if you qualify?
(check all that apply)
  • Low mileage
  • Using garage for vehicle
  • Anti-lock brakes
  • Anti-theft devices
  • "Good student" discount for a grade point average of 3.0 or higher
  • Lane-departure warning system
  • "Mature driver" (over 55) defensive driving course
Now that you know all the details about the different types of car insurance and what they cover, compare car insurance quotes to get the best rates.
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