Final answer:
It is true that drivers must carry proof of insurance and a driver's license when operating a vehicle. Insurance rates can be influenced by factors such as vehicle safety ratings, driving record, age, and vehicle history.
Step-by-step explanation:
When driving, it is true that the driver has to have proof of insurance and a valid driver's license. Car insurance is often mandatory and serves as financial protection for drivers, covering the costs associated with vehicle damage or injuries resulting from an accident. In most states, failing to have either can result in fines, vehicle impoundment, or even jail time.
Insurance rates can be influenced by a variety of factors including the vehicle's safety rating, the driver's history, the age of the driver, and the history of the vehicle, particularly if it's a used car. The frequency of payments, whether monthly, quarterly, or biannually, can also add to the overall expenses of automobile ownership, which continue beyond the final car payment.