Take a defensive driving course.
It takes very little to total a car today. It's cheaper for the insurance company to junk them. Repairing cars are through the roof now.
Especially after the car is older.
I have a 2008 Chrysler Town & Country in great condition. Cost $29,000 new but now book value around $3-$4k.
Any kind of collision now and it would be totaled and they'd send me a check.
A defensive driving course doesn't prevent someone else from crashing into you unfortunately. Would save you a few bucks on your insurance premium but sitting through a multi-hour driving lecture is hardly worth it unless you are a very bored individual.