Yeah...you stop a lot, and the more reckless you drive the more often you have to repair your car.
All looting happens on foot, so the more you loot the more often you'll be stopping.
A lot of repairing also depends on how dangerous the road you're traveling is at that moment, the game is semi-procedurally generated, so you can drive the same road 10 times in a row and sometimes it'll be a cakewalk and other times it's pure fuckin' chaos. All depends on how unstable the conditions are at the time.