A driver contacts an insurance agent to buy this important and worthwhile coverage. The cost of the insurance is based on the driver, the automobile as well as the use in the car. Drivers can lower New York auto insurance premiums by combining insurance policies, obeying site visitors laws, decreasing claims, driving safer autos, taking defensive driving courses and asking insurance providers for any list of discounts offered. Growing the amount the owner is prepared to spend in the event of an accident reduces this price.