What does Einstein, the theory of relativity and your auto insurance premiums have to do with one another? Read on to learn the answer to this question and 10 things that effect your premiums.

1. Einstein, E=mc2 and your auto insurance
The year was 1905 when Albert Einstein finally proved his famous theory of relativity.
The basic overall concept is that both time and space are relative, not fixed.
Why am I talking about E=mc2 in an article that discusses ways to on save on your auto insurance in
Atlanta?
First of all the good news is that you don't need to be an Einstein to figure how your car insurance rates are
calculated by the insurance companies.
Lets take Einsteins concept that both time and space are relative, not fixed.
It is the same with your auto insurance rates ... they are not fixed... but are RELATIVE to how you respond to the
next 10 points we will discuss.
So here we go...
Here are 10 things an insurance company uses to find out how much your car insurance will cost you annually.
Take a minute & review them one at a time. I'm sure there are few you can probably use to your advantage.
Most importantly... you don't need to be an Einstein to benefit from them.
1- How will the vehicle be used most of the time: Will you use it for work? Or is it just for commuting? Is it
mainly for pleasure?
2- How many miles to be driven each year: Think about it ... the more you drive it the more chance of having an
accident. The opposite is also true, if you do not drive it as often you will pay less for your premiums.
3- Age: How old is the driver? It only makes sensethat since a new driver would have less experience than those
that have been driving for years, it will cost a little more for them right now. The good news is that it is only
temporary because when you turn 25 years old... your rates will drop. P.S. Don't forget that under 18, they are
too young to get their own policy. This means they will need to be listed under someone else s insurance for

2. right now. Once they turn 18 they can get insurance under their own name.
4- Sex: Are they male or female? Did you know that ststistically men are involved in more accidents? So if you
are a woman kudoz for you!
5- Address: Where do you live? If you live in an area that statistically has more accidents, thefts and claims
then prepare to pay a little more. So it pays to do the research BEFORE you move. Check with your locasl police
department.
6- The year, make and model of your car: It makes sense that a new car will cost more to insure than an old car.
A more expensive car will cost more than a less expensive one and a sports car will cost more than a sedan.
Believe it or not foreign cars cost more to insure than domestic cars! If you want to play it safe, try and pick a
Domestic, 4 cylinder, 4 door sedan or minivan. If you want a 2 door red roadster then to be prepared to pay for
the privilege of insuring it!
7- What is your Deductible?: Actually this is a simple game. The higher a deductible you choose, the lower your
rates will be. So if you pick a $250 deductible, you will most certainly pay more than if you would have chosen a
$1,000.00 deductible. Remember you don't need to be an Einstein, so if you are a good driver and drive safely
then go ahead and pick as high a deductible as you can afford.
8- Type of coverage: The state law requires a vehicle to be insured with a minimum of basic liability coverage.
As you can imagine this will cost less than if you opted for full comprehensive and collision coverage. Of course
additional premiums would be required if you added on additional protection such as uninsured motorist,
towing or rental reimbursement.
9- Claims: The more claims you make the higher your rates will go. So pay it out of pocket to avoid making
claims for every little thing that happens to your automobile. Many people offer to fix small dents and
windshield cracks out of their own pocket instead of taking a chance for the rates to go up. You can do what
ever you want, just remember, you either pay for it now or pay for it later.
10- Driving record: These are the things that will cause your premiums to go up. Have you received any tickets
by the police? Have you been in any accidents? Is there a DUI on your record?
Here is a BONUS tip. Remember to ask for any discounts that are available! A drivers education class is
recommended for young drivers. A defensive defensive driving class could also save you a few dollars each
year. You might be surprised at what additional discounts are available.
In conclusion, shop around for the lowest rates for Georgia auto insurance . Remember, every insurance
company will have their own car insurance rate schedule. So it make sense to be a smart consumer and check
your pricing and coverage offered before making a selection.
Lloyd Pro Group | Nationwide Insurance
2980 Cobb Parkway Southeast #172, Atlanta, GA 30339
(404) 892-2864 (404) 892-2572 (Fax)
http://www.lloydprogroup.com