If you've ever gotten auto insurance advice from a friend, a family member, or someone on social media, chances are you've heard at least one myth presented as fact.

The problem? Believing those myths could leave you paying more than necessary or, even worse, without the coverage you need after an accident.

Let's separate fact from fiction and bust some of the most common auto insurance myths.

Myth #1: Red Cars Cost More to Insure

Verdict: False.

This is probably the most famous insurance myth around.

Insurance companies don't care if your vehicle is red, blue, black, or covered in racing stripes. Your premium is based on factors like the vehicle's make and model, repair costs, safety features, theft rates, where you live, and your driving history—not the paint color.

So go ahead and buy the red car if that's what you've been eyeing.

Myth #2: I Have Full Coverage, So Everything Is Covered

Verdict: Not exactly.

"Full coverage" isn't actually an insurance policy. It's simply a term people use to describe a combination of coverages, usually including liability, collision, and comprehensive insurance.

Even with "full coverage," there may still be exclusions or situations that aren't covered.

The only way to know what you're truly protected against is to review your policy with your insurance agent.

Myth #3: My Personal Auto Policy Covers Me for Business Use

Verdict: Sometimes, but not always.

Driving to work is generally covered. Using your personal vehicle to make deliveries, transport clients, or regularly conduct business may not be.

If you use your vehicle for work beyond a normal commute, it's worth asking whether you need additional coverage. A quick conversation now can prevent a major surprise later.

Myth #4: Older Cars Don't Need Insurance

Verdict: False.

Even if your vehicle isn't worth much, Florida law still requires you to carry the required insurance coverage to legally drive.

Whether you should keep collision or comprehensive coverage depends on the value of the vehicle and your financial situation, but liability coverage is still essential.

Myth #5: If Someone Else Drives My Car, Their Insurance Pays

Verdict: Usually the car's insurance comes first.

In many cases, insurance follows the vehicle, not the driver.

If you lend your car to someone with your permission and they're involved in an accident, your policy may be the primary coverage.

That's why it's important to think carefully before handing over your keys.

Myth #6: My Insurance Covers Anything Stolen From My Car

Verdict: Usually not.

Your auto policy generally covers damage to the vehicle itself, but personal belongings inside the vehicle—like a laptop, purse, golf clubs, or tools—are often covered under a homeowners or renters insurance policy instead.

It's another good reminder that different policies protect different things.

Myth #7: The Cheapest Policy Is the Best Deal

Verdict: Not always.

Everyone likes saving money, but choosing insurance based only on price can be expensive in the long run.

A lower premium may come with:

• Higher deductibles

• Lower liability limits

• Missing optional coverages

• Fewer policy benefits

The goal isn't simply finding the cheapest policy, it's finding the right protection for your needs and budget.

The Bottom Line

Auto insurance isn't one-size-fits-all, and some of the most common advice floating around simply isn't true.

If it's been a while since you've reviewed your policy, now is a great time to make sure your coverage still fits your vehicle, your lifestyle, and your budget.

At Mulling Insurance, we help drivers across Florida understand what they're paying for and make informed decisions without confusing insurance jargon or unnecessary coverage.

Because when it comes to protecting yourself on the road, facts always beat myths.

Not sure if your current policy has you covered? Reach out to Mulling Insurance for a no-pressure policy review and honest answers to your questions.

 Kevin Mulling, CIC | Vice President

As Vice President of Mulling Insurance, Kevin uses his decades of insurance industry experience and knowledge as a Certified Insurance Counselor (CIC) to help customers with their policies. He takes pride in leading his team and carrying forward the family business's strong commitment to community and family values.