A recent Insurance.com survey of 500 drivers found thatrespondents could only correctly answer three out of 10multiple-choice questions about the coverage offered by their autopolicies.

The results show motorists are likely making mistakes whenpurchasing policies, especially if they do so through increasinglypopular online services that cannot offer tailored guidance like anagent.

Women scored the highest—35 percent—while men answered anaverage of 27 percent of the survey questions correctly. Those whoclaimed to have read their policies cover-to-cover scored 28percent, while those who reported never reading their policies gotthe highest average of 35 percent. Drivers rating themselves ashaving “excellent” auto insurance knowledge scored the lowest.

Experience also seems to matter: respondents aged 40 and olderanswered 39 percent of the questions correctly, while those ages 18to 29 scored 24 percent.

How do you stack up? Take the entire quiz or answer the survey'sfive most difficult questions in the following slides.

Select multiple answers:

• 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

What does comprehensive coverage pay for?

Two percent of respondents correctly answered:

• 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
• Theft of my car

The average deductible for comprehensive has increased from$100 in 2003 to $126.40 in 2010, according to aMitchell International study. The company speculates that vehicleowners are more willing to absorb more of a financial impact of apotential comprehensive claim over the risk of a possible collisionclaim. Collision deductibles increased from $100 to $110.25 in thatsame period.

Select multiple answers:

• Low mileage
• Using garage for vehicle
• Anti-lock brakes
• Anti-theft devices
• “Good student” discount with a 3.0 GPA or higher
• Lane-departure warning system
• “Mature driver” (over 55) defensive driving course

What are typical discounts auto insurance companies willoffer if you qualify?

Seven percent correctly answered:

• Low mileage
• Anti-lock brakes
• Anti-theft devices
• “Good student” discount with a 3.0 GPA or higher
• “Mature driver” (over 55) defensive driving course

An atypical discount is a driver's use of Facebook. Esurance offers drivers in Texas a 5 percentdiscount and drivers in Arizona a 10 percent discount ontheir car insurance policies for “liking” Esurance on Facebook.

Select multiple answers:

• 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

What factors can car insurance companies typically usewhen setting rates for full coverage?

Eight percent correctly answered:

• 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

Agents typically consider everything but the color of your car.As far as discounts based on car models, Insure.com ranked theFord Edge SE as the cheapest 2013 model toinsure. Other inexpensive cars to insure include the Jeep GrandCherokee Laredo, Subaru Outback 2.5i Premium, Kia Sportage and theJeep Patriot Sport.

The 10 most expensive cars to insure include eight Mercedes-Benzmodels—the most expensive being the 12-cylinder CL600 at $3,357 ayear—and two Porsche models.

Select multiple answers:

• Claims you make even if you have been late paying yourpremium
• Car damage to someone you hit who doesn't haveinsurance
• Bodily injury to you and your passengers if your car is hit bysomeone without insurance
• Bodily injury to you and your passengers if your car is hit bya hit-and-run driver

What does uninsured motorist (UM) coverage payfor?

Fourteen percent correctly answered:

• Bodily injury to you and your passengers if your car is hit bysomeone without insurance
• Bodily injury to you and your passengers if your car is hit bya hit-and-run driver

In claim situations, where the investigation shows the insuredwas liable for the accident (rather than the uninsured orunderinsured motorist), the insured cannot recover under a UM orUIM policy. However, juries sometimes grant damages based on theinjury rather than negligence. AA&B's Down to Cases columnistBarry Zalma details how a State Farm case raises questions aboutpotential remedies available to insurers.

Zalma also opines in his analysis of Helyn Byrd v. Wendelynne Ortiz etal. that agent must explain to the insured the useof uninsured and underinsured motorist coverage. By specifying aparticular limit for liability and uninsured motorist coverage, theagent exposes himself to a suit.

• 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

What does collision coverage pay for?

Twenty-three percent of respondents correctly answered:

• Damage to my car if I crash it

Even celebrities aren't immune to auto accidents. These 7 celebrities—including thetraffic-challenged Lindsay Lohan—may have contacted their insurersregarding collision claims in 2012.

Did you have fun testing your auto insurance knowledge? Take theentire quiz at Insurance.com. Will you farebetter than the average driver?

Other questions include:

• What does auto liability insurance pay for? (26 percentanswered correctly)
• If a friend told you she has liability limits of 25/50/40, whatdoes that mean? (41 percent )
• If your car is totaled, what does gap insurance pay for? (55percent)
• What does Personal Injury Protection or Medical Paymentscoverage pay for? (69 percent)
• If a friend borrows your car and crashes it, whose insurancepays? (71 percent)