Saving on insurance is no accident...

Do a google search for 'how to save on car insurance', seriously, I'll wait...

By now you're a shopping pro.  You've learned to call around, raise your deductible, keep your credit good, maintain continous coverage, and ask for discounts.  How about we just back up about 6 steps?

DRIVE SAFELY

According to the U.S. Department of Energy, in 2010 the average trip length in a car was just over 10 miles.  That should take you about 15 minutes to drive.  Let's say you're running late.  Driving that 10 miles fast enough to generate the 1.21 jigawatts necessarey to go back to the future isn't going to put you where you need to be on time anyway.

I'm convinced that if you keep 2-3 car lengths of space between you and the person in front of you, you will never be involved in an accident.  At any speed, 80 mph or 15, if there's 30 feet between you and the next person, you'll automatically adjust your speed to maintain that cushion of safety.