One of the major determining factors for how much you pay for auto
insurance is your New York driving record. Insurance premiums are based
on how much of a risk your insurer believes you represent to them.
Drivers that the insurance company feels are more likely to make a
claim on their auto policy are charged more to account for the
increased likelihood that the insurance company will have to cover a
loss. If you have points on your New York driving record, you can
expect your monthly premium to soar. The insurance companies won’t wait
for you to accumulate 6 points on your license, either. They can start
surcharging after the first ticket.