Some carriers offer more favorable rates for occasional or social smokers (like cigar or vape users) compared to regular cigarette smokers, so it's worth clarifying your specific habits when applying.
Want an answer specific to your situation? A licensed agent can walk through your options in a few minutes.
Call (844) 658-4509If you quit smoking, most policies allow you to apply for a rate reclassification after a certain smoke-free period (often 12 months), which can significantly lower your premium going forward.