There are some things which raise your car insurance premiums that can’t be avoided – like age discrimination or accidents which are not your fault.  But many of the things which will boost your car insurance premiums are easily avoidable, especially talking on your cell phone while driving.
Each car insurance company handles cell phone violations differently so it is worth it first to see what your state regulations are and then see what your car insurance provider will do if you get a violation.

Soon, all cell phone use while driving may be completely banned based on a recommendation by the National Transportation Safety Board.  They have plenty of examples to back up why cell phone use while driving should be banned, like the case in Gray Summit, Montana where a teen caused a fatal pileup after sending and receiving 11 texts.

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