made a smart decision. You can get a car that’s almost as good as a brand-new one, without suffering the depreciation that wallops new car buyers as soon as they drive the car off the lot. Used cars — even those that are only one year old — are 20 to 30 percent cheaper than new cars. But there are other good reasons to buy a used car: Buying a used car means you can afford a model with more luxury/performance. You’ll save money on insurance. The glut of cars coming off lease makes …

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If drivers who have taken a drivers education or safety course have fewer accidents, an insurer may discount that. Likewise, some cars are cheaper to repair, or do not get involved in high claims accidents. Those vehicles will cost less to insure. Insurance companies try to use their past…