With a smug look you ask, "OK hotshot, what about questions?"
I ignore your expression as I answer, "Questions are generally handled the same way. If the speaker is asking a question, the question mark goes inside the quotation marks."
"What do you mean by 'generally handled the same way'?"
I was wondering when this would come up. "Your question actually provides the answer and brings up another point in the process. I'll address the new point first. In your quote, you quoted me. Nesting quotes comes up occasionally and all the basic rules apply, except that the nested quote uses single quote marks (apostrophes) -- to distinguish them from the main quote. You asked a question, there is a question mark inside the quotations marks. The quoted text is not a question, so the question mark is outside of the single quote marks."
This particular rule deserves a slightly closer look. Did you say "I'll have mine on the rocks"? Is a question, but what you said isn't, so the question mark goes outside the quote. If it were, "Did you say I'll have mine on the rocks?" The complete quote is a question, so the question mark goes inside the quote. It's a subtle distinction, but easily mastered with some practice.
The only other situation I can think of where punctuation may fall outside the quotes is when quoting written communication. The rest of the rules are the same, but the contents of the e-mail, text or whatever goes inside the quote marks. The quoted text is then followed by the appropriate punctuation. If the text message didn't have punctuation (does it ever?), add it outside the quote marks.
Looking back over our conversation, I see that all of the key points I wanted to address are covered. I know that there is more a novice writer will need to master, but I've covered the basics of conversations. The rest can be addressed in other posts.
I hope you found this little exercise helpful. It's possible to have stories where 'not a word was spoken' but it's rare. Knowing how to write a conversation covers the rest of them.