Save money on your auto insurance

Pay for the accident with weed.

SPENCER —  Police last night were searching for a man who slammed a truck into the ice cooler at the Hess station on Route 9, then offered the clerk a bag of marijuana to pay for the damage.
via Police seeking man who offered marijuana

So, instead of having the station owner put in a claim for the accident and spending the insurance company's hard-earned money, this guy offers to settle out of court. Almost a good idea.