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If you are a safe driver, you could qualify for New York Auto Insurance with lesser premiums. A great many companies will allow you a discount for a clean driving record. Some include an accident forgiveness policy. Ask if your provider will cut you a deal on rates if you have gone with no accidents in three years. Check into safe driving courses and ask your new york auto insurance carrier if a course could earn lower premiums. Teenagers who make good grades are believed to be safe drivers which may get them lesser rate.