The average American household spends about six to seven thousand dollars every year on car insurance alone. More and more people have increasingly started looking for cheaper deals on their car insurance rates. So how do you find the best deals on car insurance in the Big Apple?

Finding cheap car insurance, especially in a city like New York, is a challenge. You would need to know an estimate of the prices offered by the various car insurance companies.

Knowing what factors influence your car insurance rates would help you reduce them in various ways. The costs of insurance are impacted by factors such as age, gender and usage of the car, amongst others. For instance, the number of tickets that you were issued as a penalty for speeding would increase your car insurance rates. This is because the chance of accidents rises.

Environmental protection agencies across the United States are now also working with car insurance companies to offer deep discounts to those who are low-mileage drivers. The latest concept in car insurance is the pay as you drive insurance scheme, where you pay premiums according to the number of miles you drive.

Watch out for car insurance companies that offer you cheap deals. You would need to find out a little more about them before you could purchase their car insurance. Car insurance plans should cover you for collision, liability insurance and other liabilities.

Consolidated insurance policies can also save you up to 10 to 15 percent, insuring two vehicles with the same premium. Finally, a good way to find out the best deals would be to ask a relative.