If you’re a pretty safe driver who doesn’t use your car much, you may be better off with a “pay as you drive” program. Comapnies such as Allstate’s Drivewise, Progressive’s Snapshot or State Farm’s Drive Safe & Save are the most ideal companies for that.

You simple plug a monitoring device into your car or allow a smartphone app to track your driving habits. You then earn a discount of up to 50%, depending on mileage, the times of day you drive, your speed, your braking habits and other factors.

Don’t worry about them holding bad driving habits against you. Most programs promise not to raise rates, they will simply just withhold the discount.