> It gets people to get more oil changes and thus avoids the insurer having to pay for more expensive matters. Doing that could also drive up the price of oil

> It gets people to get more oil changes and thus avoids the insurer having to pay for more expensive matters. Doing that could also drive up the price of oil changes such that they're no longer affordable without the use of insurance. If you could get an oil change for $50, then most people could afford it by paying for it outright. If that oil change now costs $500, then most people would have to go through insurance, and get the "discounted" price of $100 (which either has to be paid if the deductible has not been met, or you end up paying 10 to 30% of it).