The exact words a person says are called dialogue. One set of quotation marks is used before the first word of dialogue. A second set of quotation marks is used after the last word of dialogue.
If part of the sentence comes before the dialogue, put a comma after that part of the sentence. The period at the end of the sentence belongs inside the quotation marks.
"I love to sail." "Is the fruit ripe?"
If the dialogue does not end the sentence, put a comma(not a period) inside the quotation marks. The period belongs at the very end of the sentence.
"I love to sail," Chloe said. The fruit isn't ripe," said Geoff.
If the dialogue is a question and does not end the sentence, keep the question mark inside the quotation marks.
"Do you love sailing?" Chloe asked.
"Are the bananas ripe?" asked Geoff.
"Are the bananas ripe?" asked Geoff.
If part of the sentence comes before the dialogue, put a comma after that part of the sentence. The period at the end of the sentence belongs inside the quotation marks.
Chloe said, "I love to sail." Geoff asked, "Is the fruit ripe?"