Average premiums for 2005 were $3,225 That is $26875 per monthThe state of New York is the third largest state when it comes to number of cars insured With just over 9,000,000 cars insured it creates a large market of insurance agencies to choose from for automobile insuranceHow do you pay less?Most accounting consultants will advise to insure yourself only for things that you cannot pay for if they were to get damagedIf your car is a 1985 Datsun then chances are that you would pay more for collision coverage in one or two months than you would if you ever had to replace it In the case that you are insuring a 2005 BMW then you would not want to pay for damages to it out of pocket Look at the car you are insuring and figure out what it would cost to replace due to an accident and weigh that with the cost that you would pay for collision coverageNext, look at all of your deductibles Many insurance companies will have a different deductible for each form of coverage Collision may have $500 deductible and comprehensive may have a $100 deductible Comprehensive covers damages that may occur to your car due to something other than a collision This can be theft or damages and these deductibles are usually around $100 to $300 Raising these deductibles can usually save money on car insurance To view our recommended source for reliable quotes, visit this page: Car Insurance Quotes Article Source: http://EzineArticlescom/?expert=Greg_Haehl ?>