- She said, “I’ll call you later”.
- She said, “I’ll call you later.”
- She said “I’ll call you later.”
- She said, “I’ll call you later”
American English always places periods inside closing quotes (Chicago 6.9). Option a doubles punctuation; option c omits the introductory comma; option d drops the period entirely. British English would place it outside if the quote isn’t a full sentence.