Life insurance quotes: Some ways of bringing down your rates could compromise the quality of coverage you get and are, therefore, NOT smart. But here's a better suggestion: Apply the correct tips and do a few things right and you'll get considerable discounts. These are tips that are good for you...

1. Smoking will make you pay expensive life insurance rates. Smokers are more likely to die at a tender age and are also more likely to have many harmful diseases.

It costs life insurance carriers a lot more to give life insurance to smokers due to the bad risk they are to them. Once you quit smoking for up to 12 months tell your present insurer or reapply to another insurer and you'll see a considerable slash in your life insurance premium.

2. That excess weight will make you spend a lot in life insurance. There is something known as Body Mass Index (BMI) which is used to calculate a prospect's life insurance rates.

A high BMI will always attract an expensive life insurance rate all other things being equal. You're overweight for your height and sex if your BMI is high.

Now do not wait until when you can lose thirty pounds since losing five pounds can drop you into a lower BMI rating which will result in cheaper life insurance rates.

3. Getting your life insurance from the same insurer who provides your other insurance policies will get you a discount. Insurance companies offer a multi-policy discount to encourage you to buy other policies from them.

However, the entire amount you may get as discount may still become insignificant if weighed with savings you'll make by buying your policies from different insurance companies.

4. An excellent credit rating will reflect favorably on your life insurance rate. Those who have poor credit pay higher rates for every form of insurance and that is also true for life policies.

The plain reason for this is that there is a general consensus among most insurers that there is a correlation between bad credit rating and high risks. Once you're noted as bad risk you'll attract higher life insurance rates.

5. Using tobacco in any form will increase your life insurance rates.

You'll also attract higher rates if you snuff or chew tobacco because you'll be more susceptible to certain diseases. So, you will help yourself get less expensive rates if you stay away from tobacco use in any form.

6. This is an issue that may not concern most folks but should be mentioned...

Beside the fact that you are endangering your health, using banned or unregistered drugs will raise you life insurance rates. And even if the use of certain drugs is not illegal, misusing them will also make you pay much higher life insurance rates.

Avoid self-medication also and you will certainly get cheaper rates than individuals who do not.

7. You can bring down your life insurance costs by asking for quotes from reputable insurance quotes sites. When you get the quotes compare them thoroughly to find the insurer that offers you the best value.