LEARN ABOUT IT     With the new DDC-PC Online program, learning to drive defensively just got easier and more economical. The National Safety Council's first Internet-based driver-training program is based on the 8-hour defensive driving course for the classroom, but takes the average student half that time to complete. It's the most comprehensive content of any major driver improvement self-study program -- and its bookmark feature allows you to exit out the course whenever you need and come back to where you left off. You can receive a certificate of completion from the National Safety Council that, in many states, can be used to lower automobile insurance rates. Check with your insurance carrier to see if you qualify.

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