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Insurers often consider smoking a dangerous activity when it comes to driving. First off, it"s an indication that you have a penchant for high-risk activity. But there"s another reason contends J. Robert Hunter, director of insurance for the Consumer Federation of America. "If an ash falls in a driver"s lap while they"re driving, they"ll be looking at their lap instead of the road," Hunter says. Several insurers, including Geico and American Express, offer discounts for nonsmoking drivers in some states.
