> 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 do

> 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.