You may consider insurance premiums to be expensive, but know that there are ways to go around this. It is possible for you to acquire a cheaper premium for New York Auto Insurance you have not misbehaved in a span of three years. This means that there has to be no record of accidents or coverage pay outs in your policy. Discounts are also given to those that are able to duly attend defensive driving seminars as well as students who have good grades since it is the norm that good grades usually means they are safe drivers.