An agent who has not been in the industry for a long time may try to sell you the policy that costs the most money so they can make money. However, just because a policy includes everything that the company sells does not mean that it is the best policy for you. You may not need a laundry list of options on your coverage. For instance, if you do not drive often, you can probably qualify for a cheaper plan. If you only drive for pleasure and never drive to work, you can get a policy that specifies those needs. Furthermore, where you park your car and the risk of it being stolen from there will impact your premium fee. Car Insurance New York