The principal function of the engine oil lubricant is to extend the life of automotive that operates under different conditions like speed, temperature and pressure.
Sufficient lubricant in automotives reduces friction and removes heat from the engine. At low temperature to maintain the performance of the engine, where at higher temperature to keep the engine apart to minimize engine wear. Regular oil changes have a variety of benefits: they should give your vehicle a longer life, make you engine run smoother, improve your MPG and reduce emissions. So, in the long run this should mean more money in your pocket as your car's day to day functioning is improved and its life time is extended. It may not affect your car insurance rates, but it should cut the cost of servicing and maintenance. So, just by using sufficient engine oil you should make your car healthier and happier.