Just because an offer comes your way with all sorts of fancy policies, it does not mean that it is the best one for you. Most inexperienced agents try to sell you on to the most expensive plan for your motor vehicle, but which might not be the right one for you and the extras may be something you do not really need. If you are only driving around the neighbourhood, for a relaxing drive, then state-wide commercial policies would cost you unreasonably expensive premiums. If you do not drive to work and only drive for entertainment purposes, then the policy that will work best for you will be pertaining to that reason. This is mostly the case for vehicle owners in the Big Apple. When your car is almost always parked inside a garage in New York, in a lower crime area, your payments are going to be entirely different. An educated dealer should be able to supply you with all the information you need and guide you consequently. Car Insurance New York