Quick tip: non-smoker rates

As general rule, a smoker will always pay higher insurance premiums than a non-smoker. If you were a smoker at the time you took out your policy and then stopped smoking for at least 12 months, most insurers will allow you to change your status to non-smoker - reducing your insurance premiums.
Image courtesy of creativedoxfoto / Freedigitalphotos.net


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