by Bondie Cushman
Whether you’re a new driver or a seasoned motorist, understanding car insurance is essential for protecting yourself and your vehicle. This quiz will challenge your knowledge on various aspects of car insurance, including coverage types, premium factors, and policy details. Sharpen your understanding and see how well you know the ins and outs of car insurance!
We recommend that you do not leave the page that you are taking this quiz in. Stay honest 🙂
Car Insurance Quiz Questions Overview
1. What type of car insurance covers damage to your own vehicle in the event of an accident, regardless of who is at fault?
Liability Insurance
Collision Insurance
Comprehensive Insurance
Personal Injury Protection
2. Which type of car insurance covers theft, vandalism, and natural disasters?
Liability Insurance
Collision Insurance
Comprehensive Insurance
Uninsured Motorist Coverage
3. What is the minimum amount of liability insurance coverage required by most states?
$10,000
$25,000
$50,000
$100,000
4. Which factor does NOT typically affect your car insurance premium?
Your driving record
Your age
Your favorite color
Your car’s make and model
5. What does ‘deductible’ mean in car insurance terms?
The amount your insurance company pays for a claim
The amount you pay out-of-pocket before insurance covers the rest
The maximum amount your insurance will pay for a claim
The amount you pay for your insurance premium
6. Which type of coverage pays for medical expenses for you and your passengers after an accident?
Liability Insurance
Collision Insurance
Comprehensive Insurance
Personal Injury Protection (PIP)
7. What does ‘uninsured motorist coverage’ protect you against?
Damage to your vehicle from natural disasters
Accidents caused by uninsured drivers
Theft of your vehicle
Damage to your vehicle from vandalism
8. What is ‘gap insurance’ designed to cover?
The difference between your car’s actual cash value and the balance owed on your loan or lease
The cost of medical expenses after an accident
The cost of repairing your vehicle after an accident
The cost of replacing stolen personal items from your car
9. Which of the following is NOT typically covered by comprehensive car insurance?
Theft of the vehicle
Damage from a natural disaster
Collision with another vehicle
Vandalism
10. What is the primary purpose of liability car insurance?
To cover damage to your own vehicle
To cover medical expenses for you and your passengers
To cover damages and injuries you cause to others
To cover theft of your vehicle
11. What does ‘no-fault’ insurance mean?
Each driver’s insurance pays for their own damages regardless of who is at fault
The at-fault driver’s insurance pays for all damages
There is no deductible for any claims
Insurance companies do not investigate fault in accidents
12. Which type of car insurance is typically the most expensive?
Liability Insurance
Collision Insurance
Comprehensive Insurance
Full Coverage Insurance
13. What is ‘SR-22’ insurance?
A type of car insurance policy
A document proving you have car insurance
A discount on car insurance
A type of liability coverage
14. Which factor is likely to increase your car insurance premium?
Having a clean driving record
Driving a newer car
Living in a rural area
Being a young driver
15. What is the purpose of ‘medical payments coverage’ in car insurance?
To cover the cost of vehicle repairs
To cover medical expenses for you and your passengers
To cover legal fees
To cover the cost of a rental car
16. Which of the following is NOT a common discount offered by car insurance companies?
Good driver discount
Multi-policy discount
Favorite color discount
Low mileage discount
17. What does ‘bodily injury liability’ cover?
Damage to your own vehicle
Medical expenses for others injured in an accident you caused
Theft of your vehicle
Damage to other people’s property
18. What is ‘underinsured motorist coverage’?
Coverage for damage to your vehicle from natural disasters
Coverage for accidents caused by drivers with insufficient insurance
Coverage for theft of your vehicle
Coverage for damage to your vehicle from vandalism
19. What is the ‘actual cash value’ of a vehicle in insurance terms?
The amount you paid for the vehicle
The replacement cost of the vehicle
The market value of the vehicle at the time of the claim
The amount owed on your car loan
We recommend that you do not leave the page that you are taking this quiz in. Stay honest 🙂
