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New York requires drivers to purchase car insurance by law. It is wise to have more than minimum coverage to provide adequate protection on coverage. Car Insurance New York is important because it will help protect you in case of an accident. Car insurance New York can also provide protection from liability lawsuits and large repair bills from the owner of the policy or the other driver. They are trained to shop for you. Costs can be lowered by choosing a certifiably safe vehicle, driving carefully by obeying the speed limit, not receiving any traffic violations and lowering repair costs by using competitive replacement parts. Coverage usually costs less if statistics show the type of vehicle is involved in fewer accidents and thefts. This information can be easily researched on the Internet. Car insurance New York rates are not based solely on your driving record. Car insurance New York rates are determined by a number of different factors which include driving record, your payment history, mileage, how many vehicles you have, etc. Car insurance New York premiums are based on risk, so if your rating factors present you as a high risk driver, then your premiums will be high. Comparing many different auto insurance quotes is the key to saving money- that is our specialty.