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You can check "no", and get a cheaper rate.
But if it ever comes down to them finding out you have tobacco in your system, it will void your policy, and you will have wasted every cent you've ever paid in premiums. And I'm sure that when it comes to cases that are typically caused by tobacco use, they will check.
Better to just tell the truth. Also, depending on the insurance company, even if you quit, it will be three to five years before you can claim that you are not a tobacco user.
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If you want to avoid 95% of internet spelling errors:
"If your ridiculous pants are too loose, you're definitely going to lose them. Tell your two loser friends over there that they're going to lose theirs, too."
It won't hurt your fashion sense, either.
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