First, cannabis smokers generally don’t get smoker’s rates anymore.
If you’re not familiar, smoker’s rates double your insurance bill (or more). So, this is a big one.
You can also smoke more often and still get insurance. If you use it more than 2-3x per week, you’ll be limited in what companies you can apply for and it may cost more.
One of the things we haven’t figured out as an industry is how to phrase the question.
Some applications ask how many “times per week” others ask about “joints per week”. The discrepancy comes into play when you have a low tolerance or are micro-dosing. A standard sized joint can be finished in one sitting for some people but would take 2-3 sittings for another. Your Advisor will be able to walk you through this when the time comes.