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Smoking and your Auto Insurance

Posted on by Sri

We all know that smoking affects your overall health. We also know that smoking increases your health insurance and life insurance premium, but are you aware that your home insurance and auto insurance premium may also subsequently increase if you are a smoker? Well, this is the hard fact. According to insurance companies, smoking while driving can increase the risk of being in an accident. This is the reason why they would immediately charge you with $50 per year more than a non-smoker on your premium.

Smoking One of the Leading Causes of Distracted Driving

Smoking is one of the leading causes of distracted driving. Distracted driving is the number one cause of car accident in the United States and elsewhere in the world. More than 20 percent of all accidents are related is canadian neighbor pharmacy legit http://orderessayonlineon.com/ to distracted driving. Although the act http://iphonespyapponline.com/ of smoking while driving is not included in the top ten causes of distracted driving, experts believe that it increases the risk of being involved in a car accident. canadian family pharmacy bangkok While you don’t need both of how to spy on a cell phone your hands nor a large part of your attention cell phone spy to smoking, the mere fact that testosterone cream canadian pharmacy you are holding help with dissertation writing a burning stick of cigarette while you’re behind the wheel is already an accident waiting to happen. The ember from the cigarette may get into iphone spy app your eyes or into your lap while driving, burning you and distracting you from driving. The canadian pharmacy spam 2012 distraction could get worse and there is research papers occupational therapy a high potentially that you may get into an accident.

Smoking and your Auto Insurance

In countries where it is illegal to drive and not have an auto insurance policy, everyone is left with no choice but to pay for their insurance premium. Now, smoking on the other hand increases your premium. While there is generally a 5 percent discount given to all auto insurance applicants, a smoker gets more than 5 percent increase in premium. While some people might think ridiculously of the idea, insurance companies just hate smokers. Whether for your life insurance or your health insurance, auto insurance is also highly influenced by this vice. It is not enough that smokers have to pay higher tax sales for buying androgel canadian pharmacy a pack of cigarette and pay higher premium for their life and health insurance, not to mention risking their overall health for a puff of smoke. They also have to pay higher price for their auto insurance. Well, apparently the only way to save lots of money is to quit smoking, or better yet quit risking yourself into getting into an accident.

Summary

In conclusion, while everyone has the right to smoke their lings out, it is best not to risk your life like that because no matter what you do, even if you are a victim of a car accident you are doomed to pay a hefty price. You may quit the habit on the other hand and stop paying unnecessary dues. Your health and life insurance premium will be back to as how it was supposed to be and in 10 years you can now reduce your risk of getting a lung cancer by 50 percent. In 15 years your lungs are going to be as fresh as if you never took a puff. canadian pharmacy us law Plus you can now rule out smoking as one of the potential cause of a car accident.

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