You may have bought car insurance many times. But do you know the answers to some of the most commonly asked car insurance questions? Take the quiz and find out!

1. Can I get car insurance if I don’t have a driver’s license?

Yes. Believe it or not, it’s not impossible to get car insurance even if you don’t have a driver’s license. How much it costs you will depend on why you don’t have a driver’s license. If it’s because you are a teenager just learning, you’ll have more options than if your license was revoked. In any case, get several quotes and compare prices. If the first company turns you down, don’t assume they all will. And many companies will require you to get a driver’s license within a certain amount of time.

2. Can I get car insurance without having to make a down payment?

Yes. But you’ll have to work at it. Just as you would when looking for a good deal on anything else you want to buy, you’ll need to do some comparison shopping. While you can find some companies that will sell car insurance without a down payment, you’ll still need to come up with the first month’s premium. Still, it will make it easier to get started. But notice how much cheaper your total cost will be if you can pay several months in advance. So while it’s possible to pay less up front, only do this if you really need to. And make sure you pay those premiums every month so your coverage isn’t cancelled.

3. Is it really necessary to talk to an agent?

Theoretically, no. You can get an online quote and do the whole transaction over the internet. But it is a good idea to talk with an agent at some point in the process. He or she may be able to get you discounts that weren’t available online, or explain to you why you didn’t qualify for certain discounts and what you need to do to become eligible for them.

4. Does my occupation make a difference to my rates?

Yes. If you are in a profession that has you talking on a cell phone a lot or driving long distances, you will probably be paying more than someone whose job is close to home. This is a good car insurance question to discuss with an agent, so you can make sure you have the right coverage for your occupation.

5. If we have a new driver in the family, is it cheaper to just add them to our existing policy?

Not necessarily. This assumption could be correct. But it might not be. So shop around to find out. When we added a fourth driver in our house, it was cheaper to put her on a separate policy with a different company.

So how’d you do at answering the car insurance questions? If you answered yes, yes, maybe, yes and maybe, you are correct! Congratulations on knowing the answers to these commonly asked car insurance questions.