When you think about auto insurance, your mind probably jumps to premiums, coverage options, and deductibles. But did you know that how well you maintain your car can impact your insurance in the long run? At Pizano Insurance in Wayzata, MN, we often remind drivers that regular maintenance isn’t just about keeping your car running smoothly—it can also be a smart move for your insurance profile.

The Connection Between Maintenance and Risk

Insurance is all about managing risk. If your vehicle is poorly maintained, it could be considered a higher risk on the road. Issues like worn-out brakes, bald tires, or an ignored check-engine light don’t just compromise your safety—they increase the likelihood of accidents. While a missed oil change won’t directly raise your premium, a pattern of neglect that leads to claims might.

Preventing Claims Before They Happen

Keeping up with routine maintenance can help you avoid breakdowns and accidents that could result in insurance claims. For example, replacing your brake pads before they fail or repairing a cracked windshield before it spreads are proactive steps. Fewer claims over time can contribute to a better insurance record, which may help keep your premiums lower.

A Responsible Driver is a Rewarded Driver

Taking care of your car shows your insurer that you’re a responsible driver. Responsible drivers often receive better rates. So while maintenance might seem like a chore, it’s actually a smart investment in both your vehicle and your financial well-being.

Have questions about how your driving habits affect your coverage? Reach out to Pizano Insurance in Wayzata, MN—we’re here to help you stay protected and informed.