If you live in a country where you or your teenage children are driving, did you know you can save a bundle off your car insurance? A defensive driving course brings down insurance premiums. (Check your insurance company first.)

The following online course costs little, and yet saves many times the investment you will make (the cost plus the few hours the course will take you). Not only may it drastically cut insurance rates for a young driver -- it will lower your own premiums if you are an older driver, too!

The discount from the course may be renewed every three years. In the case of our family (two adult and one teen driver), we are saving around $1000 as a result of this course. (All three of us took the online course. It is not difficult.)

Visit http://www.nsc.org/onlinetraining/driving/ddc_pc.cfm.