You may also be able to get a discount on New York Auto Insurance if you only drive locally. Some companies will give you a discount if you have low mileage on your car such as seven or eight thousand miles per year because this means you are not on the road much. If you are not driving, you are less likely to have an accident. Some companies even reward you for having a car equipped with safety features. If your car has airbags or anti-lock brakes, you may pay lower rates for your car insurance.