It is widely known that car insurance premiums vary depending upon several variables. Of course the type of vehicle and data related to the vehicle owner’s driving record and accident history are considered. But one that is met with less attention is the geographic location of where the vehicle will primarily be driven. Does short term car insurance cost more for those who live in urban, metropolitan areas? Are car insurance premiums inflated in areas of the world that experience scientific phenomena such as solar flares and sun spots. Let’s consider the latter example for a brief discussion on how the existence of sun spots and solar flares affect short term car insurance rates.

First, it is important to understand exactly what sun spots are. For the lay person, sun spots are an area of intense magnetic activity in the sun’s atmosphere that can result in visible dark spots surrounding the sun when it is viewed from planet Earth. Since the occurrence of solar flares and sun spots often coincide, some in the scientific community have postulated on whether or not sun spots and solar flares have any impact on short term car insurance premiums.

The theory that supports the occurrence of sun spots and solar flares having some sort of affect on car insurance rates is understandable. After all, during active magnetic phases on the surface of the sun, solar winds can carry radioactive and magnetic energy as far as the Earth’s atmosphere. It is fairly well known in scientific circles that radiation has many destructive qualities. However, the amount of and frequency of radiation and magnetic energy that penetrates the Earth’s atmosphere is so minute that it has little, if any, impact on humans or the automobiles that they drive.

Therefore, it can be concluded that the existence and occurrence of sun spots have no affect on vehicle insurance premiums, no matter where on the planet a person may live or drive his or her automobile. Because sun spots are a phenomenon that can be observed world wide and no geographic location is secure from their potential exposure, even if car insurance premiums were impacted by them, there would likely be an even distribution of the inflated cost to all of the insured drivers world wide.

So, to those that have been putting off insuring their vehicle do to the existence of sun spots, you can rest easy and be assured that sun spots and solar flares do not result in elevated car insurance costs.