-Pump your own gas. Self-serve gas is usually 5% to 10% cheaper than full service. Potential Money Savings: $65-130/yr.

-Don't "top off the tank" when pumping gas. Some of the gas may end up overflowing when it expands in the sun or if you park on a hill. Potential Money Savings: $20-53/yr.

On insurance

-Ask your insurance agent how much money you can save by raising the deductible on your auto collision insurance. Often, raising the deductible from $200 to $500 can save you 10% to 30%. If you have a good driving record, you could come out ahead. Potential Money Savings: $50-225/yr.

-Make sure you notify your insurance company of all the safety features that qualify you for discounts on auto or homeowner's insurance, such as automatic seat belts or air bags in your car, smoke detectors in your home, etc. Non-smokers or non-drinkers can often get additional discounts. Potential Money Savings: $50-100/yr.

-If you drive an older car, consider dropping collision and comprehensive coverage (don't drop liability coverage). Collision coverage is required if you have a car loan, but for older cars that you own free and clear, weigh the car's book value (what the insurance company would pay you if the car was totaled) against your collision premiums. If your car is over five years old or is worth less than $1000, keeping collision and comprehensive coverage may not be worth what you're paying in insurance premiums. Potential Money Savings: $100-300/yr.

-Before buying a new car, ask your insurance agent whether the model you are considering will require a surcharge due to higher theft, damage or repair costs. Potential Money Savings: $50-200/yr.

-Shop around for insurance. If you're getting good service from your company and are happy with the rates, you may want to stay with them, especially if you have had accidents or tickets. But if your record is good, shop around, to see how much you can save, then decide if the savings are worth the switch. Potential Money Savings: $50-200/yr.

-Consider combining your auto and homeowner's insurance under one policy. Many insurers give a discount for multiple policies. Potential Money Savings: $50-200/yr.

-If you have a high school or college student under 25-years old in your household, ask about the good student discount for auto insurance. If your student qualifies, you could save 25%. Potential Money Savings: $125/yr.

-Avoid tickets for speeding or moving violations. Many insurance companies give a discount of up to 20% if you have not had an accident or ticket for three years or more. Potential Money Savings: $100/yr or more.

On driving

-Car pool to work. By sharing the driving with just one other person, you could save an average of $20/month or $200/year in gasoline alone, if your commute is 20 miles round-trip each day. Sharing the driving with two others increases your savings even more. Savings vary depending on the length of your commute. In addition to savings on gasoline, you'll save maintenance costs and wear and tear on your car. Potential Money Savings: $400-700/yr.

-Another benefit to car-pooling is that it reduces the annual mileage on your car. Since this reduces the risk of accident, your insurance company charges you less for your coverage. Potential Money Savings: $25-50/yr.

-Wasteful driving habits can double your fuel consumption. Develop gas-saving habits, such as: (a) always accelerate gently; (b) watch traffic ahead of you so you can anticipate slow-downs and avoid stops; (c) coast up to traffic jams by lifting your foot off the gas pedal instead of approaching at full speed and slamming on the brakes. It takes 20% more gas to accelerate to normal speed from a full stop than it does from four or five miles per hour; (d) don't drive too fast or too slow. It takes 20% to 30% more gas to drive at 70 mph than 50 mph; (e) maintain a steady speed on the highway. Avoid getting stuck behind slow cars where you have to slow down to their pace and then speed up to pass. Potential Money Savings: $390/yr.

-Don't warm your car up by letting it idle. The engine warms up faster when driving than it does when idling, and idling wastes about a quart of gas every 15 minutes. Potential Money Savings: $90/yr.

-Save fuel by combining errands into one trip and avoid backtracking whenever possible. Potential Money Savings: $25-100/yr