Final answer:
The correct sentence when using a direct quote in dialogue is: "I dislike concerts because the music is too loud," she said.
Step-by-step explanation:
The correct sentence when using a direct quote in dialogue is: "I dislike concerts because the music is too loud," she said. The comma is placed inside the quotation marks, and the dialogue tag (she said) is separated from the quote with a comma. This follows the standard rules of punctuation in American English.
Learn more about Rules of punctuation in direct quotes