One of the most often-lamented costs of owning and driving a card is paying for auto insurance. Insurance is required by law in most states, and typically costs drivers a few hundred dollars a year, or even more if they fall into demographic groups defined by insurance companies as “risky.” It’s often a good idea to get insurance even beyond the minimum liability coverage that most laws require, if you want to really protect yourself in case of an accident. But how to avoid paying so much?