Those gas gauges are indeed rough and should not be trusted too much! But as Banshee said, they most often reads a little lower, but still you have to find out what is true with YOUR car! I guess the only way to find out is to run empty, and then measure the fill-up... Bring a 2 gal. extra can in the trunk for that excersise....:)
BTW; my '94 Eldo reads empty, and I'll get all kinds of warnings, and then it is approx 5 gallons left!! Now, that's being on the safe side!!