1. Shop for new car insurance. In a prior study, drivers who switched insurers saved an average of $388.
2. Drive safely. Some insurers offer discounts if you prove that you drive safely by using, say, a plug-in device for your car. Nationwide insurance, for example, offers a SmartRide discount of up to 40 percent, or up to $400 off a $1,000 policy.
3. Take a driving class. Insurers can offer up to 15 percent off for older drivers who take an online safety course - that's up to $675 over three years on a typical policy.
4. Cancel collision. If your car is paid off, collision insurance is optional. You could save around $300 per year.
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