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But going back to the car insurance example, making sure my brakes are working, making sure my headlights and turn signals and brake lights are working, making

But going back to the car insurance example, making sure my brakes are working, making sure my headlights and turn signals and brake lights are working, making sure my tires are road-worthy, all of this highly decreases the chance that I will be in an accident that needs a payout from the insurance company. In many states in the US, there actually are checks done for these things to make sure the car has had its routine maintenance performed... but they're not done by the insurance company. They're done by the government.

chimeracoder 8y ago
> In many states in the US, there actually are checks done for these things to make sure the car has had its routine maintenance performed... but they're not done by the insurance company. They're done by the government. There are a whole lot of things that you can do to reduce your premiums for car insurance, homeowners' insurance, renters' insurance, and so forth. Those are determined by the insurance company, not by the government.
dhimes 8y ago
Don't forget regular maintenance to keep your warranty valid on a new purchase.