The rules you speak about vary from genre to genre. If you are writing rock or pop songs, break them as much as you want as long as it sounds good to you. Jazz and classical (the traditional kinds anyways, not counting minimalist or avant garde classical or fusion jazz, etc) are less forgiving when it comes to breaking rules. Like in classical music there is generally a structure to be followed when composing certain kinds of pieces, and it can sound real funny or weird if the chord structure is not followed. However, to add colour or texture to the music you can borrow chords from another key (modal interchange or mode mixture), as long as you make your way back to the original key. This happens in rock and pop music all the time. That might be beyond you right now though since you are fairly new to this.
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