In some states, insurers offer a discount to drivers who complete an approved defensive driving or accident prevention course. These discounts are often aimed at older drivers, but some companies offer them to drivers of any age, and certain courses can be completed online in an afternoon or over a few evenings.

The details matter here. Your insurer may only accept specific courses, and the discount usually lasts for a limited time before you need to retake the class. Ask which course providers qualify before you pay for one, so you don't end up with a certificate your insurer won't recognize.

Even if the discount turns out to be small, a refresher course can help you brush up on rules that have changed since you first got your license and sharpen habits like keeping a safe following distance and scanning for hazards. Fewer claims over time can do more for your premium than any single discount.