Insuring a used car in New York is an added cost that may not always come up in budgeting discussions by some buyers, but rates can change each month and buyers will want to be aware of the potential for savings by locking in rates.

According to an analysis by Carinsurance.com, September saw rate decreases across the board, including in New York and New Jersey, with the average quote dropping by $37 per year in the Garden State and $165 annually in New York.

Prices are one portion of the policy options available to those who drive used cars in New York, but coverage availability can play an important role as well, considering that many respondents to a recent survey didn’t understand what their car insurance coverage entailed.

According to Allstate, 92 percent of participants felt confidence about their understanding of what would be covered; that number dropped below three-quarters after drivers found out that leaving a car running before it was stolen would affect the claims process. Other questions also contributed to the decline.