The Best Auto Insurance Quiz Ever

The insurance company will pay the amount needed to repair the car to the same condition it was in before. This means that they will cover the cost of any necessary repairs to restore the car to its pre-damaged state.

The statement suggests that the rates charged by companies can vary based on the location of the customer. This is true because companies often consider factors such as local market conditions, cost of living, competition, and demand-supply dynamics when determining their pricing strategies. Therefore, it is reasonable to conclude that different companies can indeed charge different rates depending on where you live.

The answer suggests that as the car gets older, the insurance coverage for a crash that is the driver's fault will decrease. This could be due to the increased risk of accidents and higher probability of the car being damaged or breaking down as it ages. The insurance company may adjust the coverage based on the depreciated value of an older car and the potential higher cost of repairs.

The two things that can raise your car insurance rates are age and driving history. Age is a factor because younger drivers are generally considered to be more inexperienced and therefore more prone to accidents. As a result, insurance companies charge higher rates for younger drivers. Driving history is also important because if a driver has a history of accidents or traffic violations, it indicates a higher risk of future accidents. Insurance companies consider this risk and adjust the rates accordingly. Hair color and height do not have any direct correlation with driving ability or risk, so they do not affect insurance rates.

If your car is stolen, comprehensive coverage applies. Comprehensive coverage is a type of auto insurance that provides protection against theft, as well as other non-collision incidents such as fire, vandalism, and natural disasters. It covers the cost of replacing or repairing your stolen vehicle, up to its actual cash value. This coverage is optional, but it is highly recommended for those who want to have financial protection in case of theft or other non-collision related damages.

Teenagers are more likely to get in an accident than a driver with 10 years of experience. This is because teenagers have less driving experience and are more prone to risky behavior, distractions, and lack of judgment on the road. On the other hand, drivers with 10 years of experience have had more time to develop their driving skills, gain knowledge of road rules, and learn how to handle various driving situations, making them less likely to be involved in accidents. Therefore, the statement that teenagers are less likely to get in an accident than a driver with 10 years of experience is false.

If you accidentally drive into your neighbor's house with your car, liability applies. This means that you are legally responsible for the damage caused to your neighbor's property and may be required to compensate them for the repairs or any other losses they have incurred as a result of the accident. Liability in this context refers to the legal obligation to bear the financial consequences of your actions.

Eating messy pizza while driving is more likely to be risky than singing to the radio while driving because eating requires the use of both hands and can cause distractions such as spills or difficulty in handling the steering wheel. On the other hand, singing to the radio can be done without taking hands off the wheel or eyes off the road, making it a less risky activity. Reading a book while driving and taking a nap and drifting into a ditch are both extremely dangerous and highly risky activities, making them even more hazardous than eating messy pizza while driving.

If you run into a tree, the damage to your vehicle would be covered by collision insurance. Collision insurance is designed to cover the cost of repairs or replacement if your vehicle is damaged in a collision with another vehicle or object, such as a tree. This type of insurance is typically optional but is recommended if you want coverage for accidents that are your fault. Liability insurance covers damage to other people's property, while comprehensive insurance covers damage to your vehicle caused by factors other than collisions, such as theft, vandalism, or natural disasters.

If a deer runs into your car and you did not intentionally hit it, collision insurance will not cover it. Collision insurance typically covers damage to your car caused by a collision with another vehicle or object, but it does not typically cover damage caused by hitting an animal. For coverage in such cases, comprehensive insurance is usually required, which covers damage caused by events other than collisions, such as hitting an animal, theft, or natural disasters. Therefore, the statement is false.