Do you think people who drive hybrid cars are smarter or safer drivers? Well, it turns out your suspicions about people who make an ecological choice could not only be true, the decision could be saving them money, too. People who drive hybrid cars are often entitled to a discount on their auto insurance policy for as much as 10 percent. Auto insurance researchers found hybrid car owners tend to be lower-risk drivers. Safer drivers mean fewer accidents, leading to lower premiums. Who knew a hybrid car could save you money beyond the gas pump?