It is always better to be completely informed when applying for auto insurance. Some of the information will help when applying for auto insurance Kentucky 123. Question: Am I required to have auto insurance on a teenager? Answer:  States laws require that anyone who operates a motor vehicle be covered by an automobile insurance policy. Question: What is a deductible for car insurance? Deductibles are a specified amount of money that the policyholder is required to pay in case of a comprehensive and collision “comp & collision” claim. These cover the insured vehicle in case of physical damage as a result of collisions, fire, theft, and vandalism.