Unfortunately, statewide averages are not much use to drivers in terms of actual
car insurance premium rates, as there are some tremendous differences in auto
insurance premium rates between zip codes
within the same state.
While most of us are unwilling to move just to lower our
car insurance premiums, there are several things you can do to lower your
rates that are
within your control, including increasing your credit score, installing a burglar alarm, and taking an approved defensive driving course (which, by law, will lower your
rates by 10 % for 3 years in New York).