Where can you get an answer to a specific question about car insurance?

Answer

Why not call an insurance agent? Or two or three? Most will be more than happy to discuss your situation with you before you actually buy a policy. And there is no need to reveal that you already have an agent if you are just getting a second opinion. Also, your local license branch may be able to help you for free, but their knowledge is usually limited to actual legal requirements to get your license plates. Most insurance questions are not based on legality, but rather an insurance carriers policy, which can be very strict and a nightmare if you violate it. As a last resort, you can talk to an attorney, usually for a fee. But unless you are already in a legal mess, I think an insurance agent is by far your best resource.