1. Make sure to compare rates from several carriers before choosing a plan.
2. Purchase coverage before your next birthday to get a lower rate.
3. Find an agent that has access to a network of insurers, some of them may specialize in insuring smokers, and offer more competitive rates.

Also, if you bought a life insurance policy when you smoked, and now you no longer smoke, contact your agent and insurer, and ask for a rate reduction. Or, compare rates now, and you may find a better deal.