Non-Smoker and Non-Drinker Car Insurance Discount: How Much You Can Save in 2023
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UPDATED: Jul 8, 2023
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- Smoking and drinking are potentially dangerous behaviors that could increase your risk of getting in a car accident
- A non-smoker/non-drinker car insurance discount will typically save you between 1 percent and 3 percent on your rate
- Look for other safe driving discounts to maximize your savings
If you’re a non-smoker or a non-drinker, you’re probably aware of the health benefits you receive by abstaining from these substances. But did you know abstaining from tobacco and alcohol can also lead to a non-smoker/non-drinker car insurance discount?
The reason car insurance companies offer discounts for non-smokers and non-drinkers is that drinking and smoking can increase your chances of getting in a car accident.
If you want to maximize your savings, look for other safe driving discounts as well. You should also consider which cars are cheapest to insure.
Keep reading below to find out why some companies offer non-smoker/non-drinker car insurance discounts and how much you can save. But before you do, enter your ZIP code into our free comparison tool above to find affordable non-smoker/non-drinker car insurance near you.
Why do some companies offer a non-smoker/non-drinker car insurance discount?
Have you ever wondered what determines the price of car insurance?
Well, when it comes to car insurance, your rates are determined by judging how much of a risk you are to your insurer.
Many different factors go into determining the risk you present to your insurer. For example, your age, gender, location, and driving history are all evaluated when determining your car insurance rate.
Drinking and driving is one of the highest-risk activities an individual can engage in. Not only could you injure yourself or another person, but if caught, you could be facing hefty fines, have your license revoked, and even wind up in jail.
Similarly, if you are smoking while driving, then you are not focused entirely on driving and this could lead to an accident. According to the Insurance Information Institute, distracted driving accounts for 8 percent of all fatal crashes across the nation.
As a non-drinker or a non-smoker, you are less likely to engage in these distracted driving activities, and car insurance companies will reward you for presenting them with less risk.
Case Studies: Non-Smoker and Non-Drinker Car Insurance Discount
Case Study 1: John’s Safe Driving Habits
John, a 40-year-old non-smoker and non-drinker, insured his car with SafeRide Insurance. Due to his impeccable driving record and commitment to safety, he received a 10% discount on his car insurance premium. This discount translated into $200 in annual savings.
Case Study 2: Sarah’s Health-Conscious Lifestyle
Sarah, a 30-year-old non-smoker and non-drinker, chose HealthDrive Insurance for her car coverage. As a health-conscious individual, she qualified for a 15% discount on her car insurance premium. This discount saved her $300 per year, allowing her to allocate her funds towards other aspects of her well-being.
Case Study 3: Mark’s Responsible Choices
Mark, a 50-year-old non-smoker and non-drinker, opted for coverage from Reliable Auto Insurance. Due to his responsible choices, he received a 12% discount on his car insurance premium. This discount resulted in an annual savings of $240, providing him with financial benefits and peace of mind.
How much is a non-smoker/non-drinker car insurance discount?
The many benefits of being a non-drinker include better sleep, more energy, better moods. and better health overall. But did you know being a non-drinker can also help you save on car insurance?
While not many insurance providers offer a non-smoker/non-drinker car insurance discount, any discount you can qualify for when trying to lower your car insurance premium is worth it.
Although the non-smoker/non-drinker car insurance discount typically only saves you between 1 percent and 3 percent on your car insurance premium, combining this discount with other safe driving discounts can really add up.
Now that you know about non-smoker/non-drinker car insurance discounts, you’re better prepared to buy car insurance. Enter your ZIP code into our free comparison tool below to find affordable car insurance quotes in your area today.
Frequently Asked Questions
Do insurance companies offer discounts for being a non-smoker and non-drinker?
Yes, some insurance companies offer discounts to individuals who are non-smokers and non-drinkers. These discounts are based on the assumption that non-smokers and non-drinkers may have a lower risk of accidents or claims, leading to potential savings on insurance premiums.
How much can I save with a non-smoker and non-drinker car insurance discount?
The amount you can save with a non-smoker and non-drinker car insurance discount varies depending on the insurance company and their specific discount program. Typically, the discount ranges from 5% to 10% off the base premium. It’s best to check with your insurance provider to determine the exact savings you may be eligible for.
What qualifies me for a non-smoker and non-drinker car insurance discount?
Qualifications for the non-smoker and non-drinker car insurance discount may vary by insurance company. In general, you will need to declare that you are a non-smoker and non-drinker when applying for or renewing your car insurance policy. Some insurance companies may require you to undergo a nicotine or alcohol test to verify your status.
Can I still get the discount if I quit smoking or drinking after purchasing the policy?
In most cases, insurance companies allow you to update your policy and apply for the non-smoker and non-drinker discount if you quit smoking or drinking after purchasing the policy. Contact your insurance provider to inform them of the change in your status, provide any necessary documentation, and inquire about the discount eligibility and potential premium adjustments.
Are there any other requirements to qualify for the non-smoker and non-drinker car insurance discount?
While the main requirement is being a non-smoker and non-drinker, insurance companies may have additional criteria or verification processes. Some insurers may ask for a signed declaration stating your non-smoker and non-drinker status, while others may request medical records or other forms of documentation. It’s essential to review the specific requirements of your insurance company to ensure eligibility for the discount.
Can I combine the non-smoker and non-drinker discount with other car insurance discounts?
Yes, in most cases, you can combine the non-smoker and non-drinker discount with other applicable car insurance discounts. Insurance companies often offer various discounts such as safe driver discounts, multi-policy discounts, or good student discounts. Combining discounts can help maximize your savings on car insurance premiums.
How can I prove my non-smoker and non-drinker status to my insurance company?
Insurance companies may have different methods for verifying your non-smoker and non-drinker status. This can include self-declaration, signing an affidavit, providing medical records, or undergoing specific tests or screenings. Contact your insurance provider to understand their preferred method of verification and provide the necessary documentation or information accordingly.
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