Octane levels only dictate when the fuel/air mixture burns based on ignition source/heat. Under high load/heat/lots of timing, you can run into problems of pre-ignition with lower octane levels (matters alot on what temps you drive at, what mods you have, and how you drive). 90% of people, could run 87/89 octane on a stock car and be 100% fine. If you drive your car is very warm areas, then it will matter a little more.
N/A cars are less prone due to detonation due to low octane levels, boosted vehicles are worse, Due to the added fuel/air in combustion chamber. (generalized).
When a car is designed to run on a certain octane level, its engine flow characteristics and timing is set based on a fuel (mostly just ECU tuning). So you will see your optimal fuel mileage on that fuel grade. and you are getting more complete burn/getting all out of each ignition sequence as 91-94 resists igniting longer than 87-89. SO your striving to get every bit of the HP out of the motor.
Things to keep in mind:
--87-89 contain the Ethanol additive. which is hard on fuel pumps, diaphragms, fuel lines & filters.
--91-94 octane usually don't contain Ethanol, but you will never get 100% ethanol free fuel. due to fuel pumps. unless the person before you got premium too.
--fuel companies & fuel station matter too. Some places keep separate 87/91/93, etc... tanks, and the feeds come from them. Others keep 2 tanks, 87 & a 95-98 octane. And they mix the fuel as its pumped to the hose into your car.
--Water. Water is a big one. Water seems to always find its way into tanks/fuel. Water diminishes octane levels. So say your pumping 87, and you happen to be at a bad station, or a good station had a bad batch of fuel, or one of thier tanks under ground have a seep hole. Now your pumping 85-86 octane, not 87. If you were pumping 91-94, you now lucked out, and got 87-89 octane in your car. so your still safe. Will your car still run on 85 octane? Probably, but not very well, and potentially harmful.
Its a little different for me, to others. I live in Northern Ontario. Its below zero at least 1/3 of the year. We get good winter fuels here, and IAT's are low in the winter months (November-April).
Moral of the story. higher octane is a better Idea to run, especially on a vehicle designed to run 91-94. Will it hurt it to run 87-89? 99% of the time no. Will you see/feel a little performance upgrade from 87 octane to 94 octane? Most Likely.
Me, for one, I usually run 87 in winter months, with a tank of premium every 3rd or so tank. just too keep octane up a little incase of a little water or something. In the summer, I run 91/93/94 octane. I only fill up at Shell/Esso/Petro Canada if I can help it.
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