Count car insurance among items that are costing Hudson Valley residents more these days.

News 12 spoke to experts on what you can do to help keep costs down.

Robert Sinclair with AAA tells News 12 that sports cars are the most to insure because they're involved in more high-speed accidents.

Basic and luxury cars with special technology are also very expensive to insure.

Auto emergency braking, lane keeping assist and technologies like that are very costly to repair because they must be fixed with exact precision.

Sinclair says that something many people don’t know is that if your make and model are a thieves' favorite, meaning if your car or car parts are stolen at high rates, that will also drive up your insurance policy.

Sinclair says the quickest way to bring down your costs is to take a defensive driving course.

"In the state of New York, the department of motor vehicles has certified these courses as being able to get you a 10% discount on your insurance policy and that lasts for three years," Sinclair says.