1. You can lower your health insurance rates by staying away from alcoholic beverages. Drinking increases your health risk. Drinking is the root cause of many diseases and that is apart from the fact that it can also increase your health risk by other means like making you a bad driver.

What quantity of alcohol can you take without dire consequences? I can't advise you on that since I'm not an expert on such matters. What I'm sure of is the fact that quitting alcohol abuse is good for you.

If you can't stay away totally, drink responsibly if you want to reduce your risk. But I'm told it's harder to drink in moderation than it is to quit.

Seek help if you want to give up alcohol. There are groups that help alcoholics quit drinking.

2. If you drive recklessly then expect to pay higher health insurance rates. Speeding tickets and other traffic violations can effectively increase your health insurance premium. The simple reason is that if you're such a driver, you'll most likely require medical attention for injuries than a very careful driver.

Improving your driving records and developing a good driving culture will lower your health insurance rates.

Sports cars and super bikes can also make you pay higher rates since they make you a higher risk. This is because such are more likely to cause you injuries due to their higher risk of accident.

3. You'll lower your health insurance rates by a huge margin if you shop around by visiting quotes sites and doing proper comparison.

Requesting quotes from not less than three quotes sites raise the chances that you'd realize more savings. This is because offers not covered by one site will be covered by another. And since the likelihood of receiving lower health insurance quotes has to do with the number of quotes you get, the more insurance companies you obtain quotes from, the better your chances.