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In this downward spiraling economy, you can do number of things to reduce your overall auto insurance expenses.

1) Most NY insurance companies offer multi-car discounts for customers who register more than one vehicle under one policy. So if you own more than one auto in your family, it is better to have it insured from one insurance company. For instance Progresive and Gieco both offer more than 15% discount if you have more than one auto insured with them.

2) Insure both your auto and home with the same NY insurance company. NY insurance companies offer significant discounts on home insurance if you already have auto insurance with them.

3) Have an anti-theft device installed on your vehicle. NY insurance companies some time offer a special discount known as anti-theft discount. Discounts vary significantly from company to company so ask around and find the nyinsurance company that offers the best rates.

4) Make sure you pay your auto insurance premiums on time