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Those of you who have newer model cars may have features that make your vehicle more attractive to insure. For instance, cars with safety features such as air bags and anti-lock brakes may merit lower rates. In addition, if you have a car that is statistically less likely to be stolen, you may be able to get a discount for it. Furthermore, cars with anti-theft devices such as alarms and steering wheel locks are preferred. You should also consider what type of rates you will get depending upon where you live since those who live in an area with a lower crime rate will pay a lower insurance rate. New York Car Insurance