Consumer Corner
Tackling Auto Insurance Myths: Misconceptions Drivers Should Know Before Making Coverage Decisions
Misinformation about auto insurance can lead to poor decisions. Mercury Insurance highlights common myths, such as negotiable premiums and misconceptions about coverage. Understanding realities helps consumers make informed choices, enhancing their confidence in selecting the right insurance policy.
Last Updated on March 4, 2026 by Daily News Staff
(Family Features) Misinformation about auto insurance continues to circulate, leading many drivers to make decisions based on outdated or inaccurate assumptions.
“Even savvy drivers can be misled by insurance myths,” said Justin Yoshizawa, director of product management at Mercury Insurance. “Understanding what coverage actually does – and doesn’t – do can help people avoid unpleasant surprises after an accident.”
To help consumers stay informed, Mercury Insurance is sharing this lineup of auto insurance misconceptions that can affect coverage, cost and peace of mind – and the facts that stand in their place.
Myth No. 1: You Can Negotiate Your Auto Insurance Premium
Fact: Insurance rates aren’t like haggling for a car price. They’re calculated using approved rating formulas and risk models regulated by state insurance departments, so you can’t negotiate a lower rate directly with your carrier. What you can do is shop for discounts, adjust coverage levels or improve your risk profile to influence your premium.
Myth No. 2: You Don’t Need Medical Payments Coverage ifYou Have Health Insurance
Fact: Even if you carry health insurance, your auto policy’s medical payments or personal injury protection can still be valuable. These coverages may pay medical costs regardless of fault and can help cover expenses not covered by health insurance, including deductibles, co-pays, ambulance bills, lost wages and more, depending on state regulations.
Myth No. 3: Full Coverage Means You’re Covered for Everything
Fact: “Full coverage” is a common shorthand used to describe a policy that includes liability, comprehensive and collision coverage. Even with all three, coverage is still subject to limits, deductibles and exclusions, which means certain situations and expenses may not be covered unless additional protections are added.
Myth No. 4: All Insurance Companies are Basically the Same
Fact: Each insurer has different underwriting guidelines, risk models, discount structures, service levels and claims handling practices. Shopping only on price without comparing coverages and service reputation can lead to surprises when you need to file a claim.
Myth No. 5: A Not-At-Fault Accident Won’t Affect Your Rates
Fact: Even if you weren’t at fault, filing a claim can still influence your insurance score and possibly affect future pricing depending on your state and your carrier’s specific rating rules. Discuss the scenario with your agent before deciding whether or not to file.
Myth No. 6: New Cars are Always More Expensive to Insure
Fact: A new car often costs more to insure than an older one, but this isn’t automatic. A new vehicle with high-end safety features or strong crash-worthiness and theft-deterrent systems may be less expensive to insure than a different used model with poor safety ratings or costly repair costs.
Myth No. 7: Insurance Automatically Pays for a Rental After an Accident
Fact: Rental car reimbursement is an optional add-on. Unless you specifically select rental reimbursement coverage, your auto policy won’t pay for a temporary vehicle while yours is being repaired.
Myth No. 8: If Your Car is Totaled, Insurance Pays Off Your Loan or Lease
Fact: Car insurance settlement is based on the vehicle’s actual cash value at the time of loss, not what you originally paid – meaning depreciation can leave you owing money on your loan or lease even after a total loss. Gap insurance is a separate optional coverage that can help cover the difference.
“Dispelling myths is about more than just good information – it’s about building insurance confidence,” Yoshizawa said. “We want drivers to make choices based on reality, not rumor.”
To learn more and ensure coverage aligns with how and where you drive, visit MercuryInsurance.com.
Photos courtesy of Shutterstock
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Downtown Phoenix experienced the thunder of Formula 1 engines once again on Saturday, March 14, 2026, when the Red Bull Showrun transformed East Jefferson Street into a temporary motorsports stage. The free public event drew large crowds eager to see a real Formula 1 car perform high-speed demonstrations through the heart of the city.
The star of the event was the legendary Red Bull RB7, one of the most dominant machines in modern Formula 1 history. Fans watched as the car blasted down the temporary street course performing burnouts, donuts, and acceleration runs that echoed between downtown buildings.
A Championship Machine on City Streets
Originally driven to the 2011 Formula 1 World Championship by Sebastian Vettel, the RB7 represents a golden era for Red Bull Racing. The car is known for its aerodynamic design and remarkable performance during the 2011 season.
During the Phoenix showrun, the car was piloted by Scott Speed, a former Formula 1 competitor and experienced motorsports driver. He was joined by Nikola Tsolov, a rising talent in Red Bull’s junior driver development program.
Together, the drivers delivered a high-energy demonstration that gave spectators a rare opportunity to witness the power and precision of Formula 1 machinery up close.
A Tribute to Phoenix’s Formula 1 Legacy
The event also served as a reminder of Phoenix’s unique place in Formula 1 history. The city previously hosted the United States Grand Prix (Phoenix street circuit), which ran through downtown streets from 1989 through 1991.
During those races, fans watched legendary drivers such as Ayrton Senna compete on the challenging desert street circuit.
Although the Grand Prix eventually moved to other locations, the Red Bull Showrun brought the spirit of Formula 1 back to Phoenix for a new generation of motorsports fans.
Formula 1’s Growing U.S. Momentum
The Phoenix showrun comes at a time when Formula One is experiencing unprecedented growth in the United States. The sport now hosts three annual races in Austin, Miami, and Las Vegas.
Promotional events like the Red Bull Showrun help introduce the sport to new audiences and reconnect cities with their racing heritage.
For longtime Phoenix residents, the sound of a Formula 1 engine echoing through downtown streets was more than just a spectacle—it was a powerful reminder of the city’s motorsports past and the growing popularity of Formula 1 across America. 🏎️🔥
Related External Coverage
- Official Red Bull Showrun Phoenix Event Page
- Arizona’s Family (3TV / CBS 5): Coverage of the Red Bull Showrun in Downtown Phoenix
- Formula 1 Official Website – Learn More About the Sport
- City of Phoenix – Downtown Events and Street Closures
- History of the Phoenix Street Circuit and the U.S. Grand Prix (1989–1991)
Stay updated with the latest automotive news, vehicle technology, industry trends, and transportation innovations. The STM Daily News Automotive section explores how cars, electric vehicles, and mobility solutions are shaping the future of the road.
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Consumer Corner
Spruce Up Your Home for St. Patrick’s Day
Spruce Up Your Home: Spring is just around the corner, and there are few better ways to freshen up your home than with a wee bit of St. Patrick’s Day decor.
Last Updated on March 15, 2026 by Daily News Staff
(Feature Impact) Spring is just around the corner, and there are few better ways to freshen up your home than with a wee bit of St. Patrick’s Day decor.
Spruce Up Your Home for St. Patrick’s Day
A Splash of Green and a Sparkle of Gold
Whether you love emerald, lime, sage or leafy green shades, simply adding a pop of a new-to-you hue can infuse your home with some St. Paddy’s fever. Check craft stores for reusable greenery to place in a pot or vase, or get crafty and dot pinecones with glue before dusting them with green glitter and placing them in a glass bowl to make a festive display worthy of a leprechaun’s seal of approval. Get Ready for Spring and Shop New Arrivals to Refresh Your Space!
Scent of the Season
Lighting a candle not only creates a festive vibe, but the aroma from a scented candle can remove any staleness in the air and bring some ambiance to your home. Any earthy scent will do – from juniper to fir, pine, sandalwood or amber. Woodsy choices infuse a room with comfort and warmth. Decorative elements like metal charms, beads and crystals (in bright green or gold) add a pop of whimsy to your candle, too.
Shape a Shamrock
Holidays are ideal times to flex your creative muscles and give your home a little artsy edge. Scour the shelves at dollar stores or thrift shops for things like green clay or modeling dough, colored paper, wooden shamrocks, stickers and inexpensive paint sets. Set your artistic side free with paintings or drawings of shimmery rainbows, mischievous leprechauns and shamrocks in various sizes.
Coins, Clover and Centerpieces
One of the easiest ways to add a little Celtic cheer to your home is with joyful table decor. Add some gold shimmer to your dining room table with sparkly ribbons, a bright runner and gold-flecked napkin rings. A fancy glass filled with green baubles and pebbles can be both subtle and festive. A scattering of faux gold coins and rainbow napkins can make the space feel merry and magical.
Find more ideas to get your home ready for St. Patrick’s Day at eLivingtoday.com.
Photo courtesy of Shutterstock
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home improvement
Enhance Your Home with Bold Colors
Homeowners seeking ideas to make a design statement and modernize their home interiors and exteriors can incorporate bold colors to achieve their renovation goals. Learn how to incorporate bold colors into your home with these tips.
Last Updated on March 14, 2026 by Daily News Staff
Enhance Your Home with Bold Colors
(Family Features) Homeowners seeking ideas to make a design statement and modernize their home interiors and exteriors can incorporate bold colors to achieve their renovation goals. Neutrals may be versatile, but bold colors introduce a striking way to reflect personality and elevate a home’s design. Learn how to incorporate bold colors into your home with these tips from the design experts at Simonton Windows & Doors, part of Cornerstone Building Brands, a leading manufacturer of windows in North America. Interior Paint The wall color sets the tone of a room’s overall ambiance, but many homeowners are cautious about incorporating too much color. That’s a valid concern, since too many vibrant hues can feel overwhelming or create competing focal points that leave a room feeling cluttered and busy. The key to bold colors on walls is balance. Bold walls offset by moderate flooring and furnishings create a room that is equally attention-grabbing and tastefully grounding. If you’re hesitant about taking bold colors too far, try designing your room with one bold accent wall and complement that color with accessories such as pillows and rugs or even statement furnishings to tie it all together.
Replacement Windows Windows often fade into a home’s design aesthetic, but that doesn’t have to be the case. In fact, dark window finishes are becoming one of the season’s biggest design statements, offering homeowners a way to refresh their home’s curb appeal. In response to growing consumer demand for sleek, modern window designs, Simonton introduced on-trend black and bronze interior and exterior finishes across its vinyl window collections, including DaylightMax Windows, which feature a unique slim-frame window design offering ample natural light while providing maximum energy efficiency. For maximum impact, durability and low-maintenance appeal, consider pairing black or bronze window finishes with trending seasonal palettes and decor. Cabinetry Architectural elements can also play an important role in establishing a modern design motif for your home. This is especially true when it comes to the cabinetry in your kitchen and bathroom. Stepping away from classic neutral wood stains, white or gray to use bold paint or stain colors instead can completely transform a room. Some homeowners go all-in and incorporate color across the entire room while others apply different colors for the tops and bottoms to create some variation or avoid overdoing a bold hue. Still others opt for a statement approach, and similar to choosing just one wall, they add a bold color to just one section of cabinetry, such as a coffee station or island base. Cabinetry hardware adds another dimension of bold design. Stepping away from classic brushed nickel or oil-rubbed bronze and instead installing matte black, brushed brass, bronze or gunmetal brings a contemporary vibe that can accentuate a bold color choice. Patio Doors Establishing continuity between your indoor and outdoor living spaces means making your patio door part of a cohesive design that flows from the indoors out. An option like the Simonton MaxView Multi-Slide Patio Door Collection does precisely that. With custom sizing up to 10 feet high and 30 feet wide, the collection is available in multiple panel options with bypass, pocket or bi-part configurations. The doors also come in black or bronze exterior finishes, reflecting the trend toward bolder color choices. “Homeowners want modern design without compromising performance,” said Kate Land, vice president of product and innovation at Cornerstone Building Brands. “Incorporating these innovative, durable finishes into our premium vinyl window and door collections delivers exactly that. These bold color options elevate a home’s overall design while the advanced glass and functionality of these vinyl windows deliver the highest standards of energy efficiency and durability.” Incorporating bold colors into your design can make the space feel your own while demonstrating personality and modernization. Find more ideas and inspiration to answer the call for bold style at simonton.com. Discover more from Daily News
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