Half right
is still wrong.

Paint color is generally not a rating factor. Premiums are typically shaped by factors such as the vehicle's make, model, age, safety features, and the driver's history.

"Full coverage" is an informal phrase, not a policy type. People often use it to describe liability plus collision and comprehensive, but every policy has limits, exclusions, and deductibles.

Liability coverage generally pays for damage or injuries you cause to others. Repairs to your own vehicle usually fall under collision or comprehensive coverage, if you carry them.

Whether collision makes sense depends on the vehicle's value, the deductible, and personal circumstances. Many people review this as a car ages. This is a personal decision, not a rule.