When looking for an insurance carrier in New York bear in mind one important thing: with nearly 270 insurers currently listed as writing auto insurance by the New York State Insurance Department the consumer has a lot of power of options available to them. When considering where to go to for your insurance remember these few simple tips:

#1--Think about insurance costs when purchasing a car. In New York, like many other states, insurance companies will adjust their premiums based upon what kind of car you drive. More expensive or luxury cars typically land higher premium rates than smaller economy cars due to the cost of repairs and maintenance. It might be much more worth your while to choose a smaller, cheaper vehicle to get your around than a larger one, even if it's on sale at dealer.

#2--Drive less, save more. Many insurance companies in New York offer various discounts for low mileage drivers. By reducing your mileage you can reduce your out-of-pocket expenses on both fuel costs as well as insurance costs.

#3--Ask about additional discounts that may be available. Many companies in New York that provide insurance provide additional discounts if your car has certain features built-in. These can include airbags, automatic seat belts, automatic headlights, or other safety features that may come standard in many newer model cars. Don't be afraid to ask and see if you can get an extra discount for something your car may already have

#4--Shop around. As stated before, there are nearly 270 different insurance writers available to you in the state of New York. Shop around to try to find the best rates possible for you and your current situation. Just because you hear of one company at first doesn't mean it will necessarily be the best company for you.

Finally, once you have found a company that you feel comfortable with, make sure to investigate them with the New York State Insurance Department to make sure that they have not had any complaints filed against them or that other customers have encountered problems in some other manner.  For some insurance companies to get you started you can try searching on Ezquoteguide.com. Just remember, information is power. Use it to your advantage.