As January draws to a close, chances are you’re still going strong on the new years resolutions you made. You know the ones — lose weight, quit smoking, do good, etc.

In this crazy-busy world, however, finding the time and energy to stick with your goals past February can be challenging. But did you know that sticking with them could not only improve your quality of life, it could also help you save on insurance? Here’s how.

Losing weight slims health insurance rates

In addition to fitting into those old jeans again, weight loss could help you lower your health insurance rates. Because excess weight contributes to a variety of health risks (which in turn make you riskier to insure), shrinking your body mass index (BMI) could also shrink your health insurance premiums.

In fact, a study by our health insurance partner, eHealthInsurance, shows that those who are overweight paid nearly 13 percent more on average than those with normal BMIs, while those with BMIs of 30 or greater averaged payments that were 22.6 percent higher (note: the “normal” range for BMI is 18.5–24.9).

So if your new years resolution was to lose weight this year, hang in there! It’ll be more than worth it in the end.

Quitting smoking lowers life insurance premiums

As the saying goes, old habits die hard. But breaking some old habits, like smoking, can lead to a healthier, longer life as well as lower life insurance rates. In general, smokers pay more than nonsmokers for life insurance, so if you quit this year, you could lower your life insurance premiums in the years to come (and wind up with more years to come in the process).

No ifs, ands, or butts (pun intended), quitting smoking is one of the best things you could do for yourself in 2012.

Greening your commute puts more green in your pocket

Whether you go on foot, by bike, or via public transit, taking your car off the road even just one day a week could reduce your greenhouse gas emissions by as much as 800 pounds this year. And because the less you drive, the less likely you are to get into an accident, you could earn a better rate on your car insurance too.

If your goal is to do some good this year, why not try a different way of getting to work once a week? Who knows, you might even discover a more relaxing commute.

Whatever your resolutions for 2012, good luck and stay strong. (And just think of what you could do with all that extra money in your pocket.)

Related links

The truth about life insurance myths
Get the facts behind common life insurance misconceptions.

Save money and avoid the gym
Find out how you can save $387.03 and skip the gym this year.

4 tips for a greener commute
If you want a greener commute but aren’t sure where to begin, these tips can help.

What’s the BMI?
Get the facts about the body mass index: what it is, how it’s calculated, and what it could mean for you.

How BMI and smoking status affect health insurance premiums (PDF)
Read eHealthInsurance’s study on the relationship between higher health insurance rates and weight.

DIY hacks | For your finances


about Anne

If variety is the spice of a copywriter’s life, then Anne’s career at Esurance was akin to sassafras. From 2010 to 2014, she added a touch of zest to topics ranging from cleaning with baking soda to becoming a first-time homeowner.