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Reforming New Jersey's Automobile Insurance System: Five Years Later

Auto reform anniversary report shows auto premiums drop of three straight years.

Never drive while under the influence of alcohol or drugs. Never let your friends drink and drive.
Never ride with a driver who is drunk.
Before going out, set up a car pool, and arrange for someone in the group to remain sober and be the "designated driver."
Know your limitations. If you have been drinking, take a cab home, or ask a friend who has not been drinking to give you a ride home. Do not try to drive yourself.

When having a party:

Suggest that guests hand over their keys to you upon arriving at the party. Return keys to drivers only if they are sober.
Take the keys away from any drivers who are intoxicated, and ask them to stay overnight, or drive them home, or arrange for a ride.
Serve plenty of nonalcoholic beverages and high-protein foods that help absorb alcohol in the bloodstream.
Avoid carbonated mixers in favor of non-carbonated ones (such as fruit juice). Carbonation speeds alcohol absorption.
Refrain from overdrinking yourself so that as the host you can judge your guests' behavior correctly.
Do not push your guests to drink.
Stop serving alcohol at least one hour before the party is supposed to end.

If you are the parents of young drivers:

Talk to your teens about drunk driving, and offer to come pick them up anytime they are intoxicated.
Find out about MADD, SADD or RID chapters in your area and about what you can do to help prevent drunk driving.