With the high cost of auto insurance today, every car owner should know that most car insurers offer discounts that result in safety-related premium savings for all State of New York policy holders. Please remember that eligibility for a policy discount is determined on an individual basis. I would like everyone to be aware of the discounts that are available to you by providing the following list. Be sure to check with your insurance company or broker to see if you are eligible for a car insurance discount.

1. Air Bag Discount: Usually 20 percent toward Personal Injury Protection (PIP) and Medical Expense Coverage.

2. Accident-Free Discount: A 5 to 10 percent discount applies if you haven't had an accident within three to six years. This pertains to bodily injury, property damage liability, PIP and collision coverage.

3. Anti-lock Brakes Discount: A 5 percent discount applies to bodily injury, property damage liability, PIP, medical expense and collision coverage.

4. Multi-car Discount: Most companies offer a 5 to 15 percent discount if you insure more than one car with them. This applies across the board to all coverages.

5. Passive Restraint System: A 5 percent discount is available if your seatbelts automatically restrain the driver and passengers. This discount is applied to PIP and medical expense coverage.

6. Anti-theft Device Discount: A discount of 5 to 25 percent depending on the type of device you have. This discount will apply to comprehensive coverage only.

7. Accident Prevention Course Discount: A 10 percent discount is available if you have successfully completed an accredited motor vehicle accident prevention course. This discount applies for three years to your bodily injury, property damage liability, PIP, and collision coverage.

I want you to get the most out of your car insurance policy. See if you can qualify to save some money just by making a phone call to your insurance company or broker today.