OK, the title has kind of let the topic out of the bag, hasn’t it? You have auto insurance – the kind of insurance you need if you have an accident or someone steals your car, truck or SUV. You have homeowners insurance or renters insurance. You may have insurance for your business. But, do you have insurance for your engine.

Yes, there are companies out there offering auto repair insurance but that’s not what we’re talking about. We’re talking about oil changes as insurance for your engine.

Engine insurance starts with timely oil changes

Engine oil is the lifeblood of your car, truck or SUV’s engine. It reduces friction, which reduces heat, and it carries away heat. It also gathers up little bits of dirt and metal fibers and carries them away so that your oil filter will remove them from the engine’s lifeblood – engine oil.

Considering how important engine oil is to the vitality and durability of your engine, the only question is the cost of this form of engine insurance. That’s another great thing about engine oil; an oil change is inexpensive. In fact, considering its value, an oil change is downright economical.

One difference between engine insurance (an oil change) and other kinds of insurance is that, with the other kinds of insurance, they’re designed to protect you if something bad does happen. With engine insurance (an oil change), it’s not a question of ‘if’ but a question of ‘when.’

This doesn’t mean that, if you don’t change your oil by the scheduled date for your next oil change, your engine will explode the next day. What it does mean is that the more you miss having your car, truck or SUV’s oil changed on schedule, the more wear your engine will experience.

Engine wear doesn’t generally come all at once. Oh, there is that occasional catastrophe where an engine overheats dramatically and locks up, or an internal part of your engine breaks, which may cause other parts to break. Rather, wear occurs little by little.

Even if you take care of your car, truck or SUV engine, wear happens. The question is ‘How much wear will your car, truck or SUV engine have?’ With more wear, you’re all-but-sure to have more repair costs. Your engine will have a shorter life. And, when you go to sell your vehicle, the wear is almost sure to show to the extent that you won’t get as much for your car, truck or SUV – i.e., you’ll have diminished resale value.

The good news is that you don’t have to worry about this because, as stated above, engine insurance (an oil change) is inexpensive.