Car Maintenance 101: Keep Your Vehicle in Top Shape with These Essentials

Stay safe and avoid costly repairs with these basic car maintenance tips every driver should know.

​Learn how routine care can also impact your insurance.

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Keeping up with car maintenance doesn’t just protect your wallet—it protects your safety. Regular upkeep helps prevent breakdowns, improves fuel efficiency, extends your vehicle’s life, and may even help avoid rate hikes on your insurance by reducing claims tied to neglect or mechanical failure.
Here are some key areas every car owner should stay on top of:

1. Oil Changes (Every 3,000–7,500 miles)
Oil is the lifeblood of your engine. It keeps everything lubricated and prevents overheating. Depending on your vehicle and oil type, you should change it regularly—check your owner’s manual for specifics. Ignoring oil changes can lead to engine damage, which is costly and may not be covered under your policy if due to neglect.

2. Tire Maintenance (Monthly + Rotations Every 6,000–8,000 miles)
Check your tire pressure and tread monthly. Underinflated tires reduce gas mileage and can lead to blowouts. Uneven wear can also impact handling and brake response. Rotating your tires regularly helps them wear evenly and last longer. Bald tires = higher accident risk = potential premium increases.

3. Brake Checks (At least once a year or if you hear squeaking)
If your brakes squeal, grind, or feel spongy—don’t wait. Worn brake pads can damage your rotors and put your safety at risk. Brake system failures are a major cause of accidents that could have been prevented with simple maintenance.

4. Battery Life (Check yearly, replace every 3–5 years)
Your car’s battery powers everything from ignition to electronics. If your lights dim or it takes longer to start, it may be time to test or replace it. Don’t get stranded—especially during extreme heat or cold when batteries tend to fail.

5. Fluid Levels (Monthly)
Besides oil, your car depends on several other fluids:

• Coolant: Prevents overheating
• Brake fluid: Enables braking pressure
• Transmission fluid: Keeps shifting smooth
• Power steering fluid: Helps with steering control
  Top these off or flush them according to your vehicle’s schedule.

6. Windshield Wipers & Washer Fluid (Inspect every 6 months)
Wipers often go ignored—until you need them. Replace them if they streak, skip, or squeak. Refill washer fluid regularly, especially in bug-heavy or muddy seasons. Good visibility is essential for safe driving.

7. Lights & Signals (Monthly check)
Ask a friend to help or check reflections to ensure headlights, taillights, brake lights, and turn signals all work. Dim or out bulbs not only reduce visibility but can get you ticketed—driving with broken lights could also affect your claim if you're in an accident.

8. Air Filters (Replace every 12,000–15,000 miles)
A clogged air filter affects fuel economy and engine performance. They’re inexpensive and easy to replace yourself—just check your manual for location and size.

Bonus Tip: Stay on Top of RecallsUse your VIN to check for recalls at NHTSA.gov. Manufacturers will fix recalled parts at no cost, and ignoring them could affect both your safety and your insurance claim if it leads to an accident.

How Car Maintenance Impacts Your Insurance
Neglecting vehicle maintenance can lead to accidents, breakdowns, or even claims being denied if wear and tear or negligence is the root cause. Staying proactive helps you:

• Avoid unexpected repair costs
• Maintain a safer driving record
• Potentially qualify for usage-based discounts with some carriers

Final Thoughts from Corin Insurance
A little maintenance goes a long way. Think of it like this: If your car is better protected, so are you—and so is your insurance rate.
If you’re not sure how your vehicle’s condition might affect your coverage, or you’re due for a policy review, our independent agents are here to help. We work with carriers like Progressive, Safeco, Allstate, and more to find the right auto coverage for your needs.

🛠️ Let’s protect your ride—get a quote or policy review today.

Disclaimer: Coverage varies by policy and carrier. Vehicle neglect or wear-and-tear-related damage may not be covered. For specific policy terms and conditions, please consult your licensed insurance agent.