The interval matters more for belts than chains, but neither should be ignored
A rubber belt genuinely needs replacement on a calendar or mileage schedule regardless of how it looks, since rubber degrades from the inside. A chain lasts much longer but isn't truly maintenance-free -- have it checked if you notice unusual rattling noises, especially at startup.
Know before you buy: is your engine an interference design?
Interference engines are common, but not universal, and the consequence of a snapped belt differs enormously between the two designs. If you're unsure, your owner's manual, a dealer, or a trusted mechanic can tell you which type your engine is.
Frequently Asked Questions
How do I know if my car has a timing belt or a timing chain?
Check your owner's manual or ask a mechanic to look it up by your engine code -- it's determined by the manufacturer and engine design, not something you can tell just by looking under the hood.
What happens if I skip the recommended timing belt replacement?
The belt can snap unexpectedly, and if your engine has an interference design, that can cause the valves and pistons to collide, resulting in a very expensive repair or a full engine replacement.