It is very important to find Car Insurance New York residents can afford since the state has one of the highest average premium rates in the country. In order to alleviate the costs of the premium, you may need to determine if there are any other areas that will give you lower rates on your insurance. For instance, you can ask if the company offers discounts for multi-line policies in which you place all your policies under one insurance portfolio. You can also ask if the company offers any discounts if you carry more than one vehicle under the same policy.