I usually take more effort for maintaining my car.
Please check it.
Is "take more effort" suitable here? which includes spending time and money.
No. 1- "take effort" means requires effort. In other words, it would be the maintenance (not you) that would take the effort.
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No.
1- "take effort" means requires effort. In other words, it would be the maintenance (not you) that would take the effort. You are mixing that expression with "put in the/much/a lot of effort".
2- You are using a comparative word ("more"), but it is not clear what you are comparing to. Perhaps you meant to use "much" instead.
3- Effort does not necessarily include money.