Take a Defensive Driving Course

How much you can save: $200 a year

Some insurance companies will allow you to take a safe-driving course to get a discount, although you’ll have to take it again every few years to keep the discount active. In Texas and Louisiana, for example, where insurance can cost more than $2000 per year, motorists can receive a 10 percent discount after taking a state-approved defensive driving course. (The course costs about $25 and can be taken online.) Many other states have similar programs, although prices vary widely.