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You may also pay lower rates if your vehicle is less likely to be stolen. This includes cars that are statistically less attractive to thieves as well as anti-theft measures that come with many newer model cars including alarms and steering wheel locks. Ask your prospective insurance company if they have these types of discounts. You can also ask if the company offers discounts for participating in seminars or courses that show you how to be a defensive driver. Seniors may also find courses that focus on mature driving that will help them get lower rates on their insurance. New York Auto Insurance