Heck, none of the above answers is complete. The Delaware Memorial Bridge toll has been $4 for months and months now. (See how you can't rely on any toll calculation websites but the state-run sites?)
No one mentioned bypass routes, and these are important now that the NJTA and PANYNJ are under the delusion that people's money grows on trees.
1. From Towson you can head for US-1 and use that in a variety of ways to bypass the $6 I-95 toll in Maryland, but it will cost you in terms of time and brakes. Probably not worth the effort.
2. Approaching the Delaware border coming from MD, take the last exit before the border, cross into Delaware via MD-279, and use DE-896 to get back on 95 beyond the $4 toll booth for the DE Turnpike.
3. Once back on I-95, you have a choice on which way to avoid the over-priced NJ Turnpike on the way to New York.
3a. Either take I-95 through Philly and onto US-1 and stay on that for 50 miles' worth of traffic lights (a good idea probably late at night only), *or*
3b. Take I-95 through Philly and into Ewing, NJ where you swing around to pick up I-295 to I-195 E to the NJ Turnpike (toll rates will be reduced in this way), *or*
3c. Take an easier way: 95 > 295 > 195 > NJ Turnpike > Outerbridge Crossing into Staten Island. The last alternative is the best balance of time and money.