Car insurance is necessary for every driver, but it’s also surrounded by misconceptions that can lead to poor decisions and costly mistakes. Let’s clear the air by debunking 10 of the most common car insurance myths. 1. Red Cars Cost More to Insure One of the most persistent myths is that red cars are more expensive to insure. The truth is that insurance companies don’t factor in color when calculating premiums. They look at the make, model, year, engine size, and safety features—not the paint job. 2. Your Credit Score Doesn’t Affect Your Rate In many states, your credit score does play a role in determining your premium. Insurers use…