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Shed excess weight and your premium will reduce. There’s something called Body Mass Index (BMI) which is used to determine a prospect’s premium.


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Smokers have rates that are double or more that of individuals who don’t smoke. It is a sure truth that smokers are liable to many health conditions and that they don’t live long.


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Do not use drugs that have either been banned or have yet to be approved as they will make you pay very high insurance rates if discovered and that is apart from the fact that you’re putting your life at risk. And even if the use of certain drugs is NOT illegal, abusing them will also make you pay much higher rates. Steer clear of self-medication also and you will certainly get cheaper rates than individuals who do not.


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People who decide to participate in extreme sports certainly get rates that are very expensive. It is therefore compulsory to quit such dangerous sports if you are looking for lower rates.


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