Finding Cheap Auto Insurance in NY is one of the most important things for most residents of NY because NY is one of the most expensive states in USA to insure your automobile. However if you know where to look, it is possible to find cheap auto insurance in New york.  There are numerous factors that determines how you would get cheap car insurance in New York.

Make, model  and year of your automobile plays a significant role when you are looking for cheap new york car insurance. It is impossible to get cheap auto insurance rates in NY if you drive a sports or luxury car.  So your best bet is to get a four door family sedan with lots of safety features.

New York car insurance rates are dependent on how many miles you drive per year.  If you drive high number of miles in a given year, expect to get high new york car insurance rates because you have a higher chance of getting involved in an accident.

Another important factor to reduce New York Car Insurance rates is where you live.  Neighborhoods with low crime rates tend to have low NY insurance premiums because your automobile would be safe from damage, theft and vandalism. If your automobile will be parked in a private or garage parking instead of street parking, you will also greatly reduce your NY insurance rates.