The rest-frame UV/optical variability of the quasars in the Sloan Digital Sky Survey (SDSS) Stripe 82 is used to test the Corona-Heated Accretion-disk Reprocessing (CHAR) model of Sun et al. 2020. We adopt our CHAR model and the observed black-hole masses ($M_{mathrm{BH}}$) and luminosities ($L$) to generate mock light curves that share the same measurement noise and sampling as the real observations. Without any fine-tuning, our CHAR model can satisfactorily reproduce the observed ensemble structure functions for different $M_{mathrm{BH}}$, $L$, and rest-frame wavelengths. Our analyses reveal that a luminosity-dependent bolometric correction is disfavored over the constant bolometric correction for UV/optical luminosities. Our work demonstrates the possibility of extracting quasar properties (e.g., the bolometric correction or the dimensionless viscosity parameter) by comparing the physical CHAR model with quasar light curves.