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From what I have seen, polishing, etc. does not help prevent rust. The most important thing is to keep the paint from getting scratched deeply or in any other way allow moisture through the paint to the metal. Repair an area as soon as you see rust. Don't think to yourself, "I'll try to get it repainted next year." By then, the paint near the scratch or whatever it is will be puckered up, and if you live where roads are salted, you may find an nice little hole...
If you can't afford to paint the section decently, at least sand down the area and get some good primer on there. The primer looks better than rust holes, even if it doesn't match the paint.
Don't procrastinate.
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