Attention drivers with clean records: You can trim your auto insurance premiums—and become a better driver—by taking a safe driving course. In many states, premium discounts of 5 to 10 percent are available. Courses are offered by AARP, the National Safety Council and other organizations and cost as little as $12—a small sum for discounts that typically last for three years. Check with your insurer for details.
Caroline E. Mayer is a consumer reporter and lives in Arlington, Va.