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.
As the nation’s cell phone dependence increases, so has the number of driving accidents due to cell phone use. 35 states already have bans against talking on cell phones while driving except for with a hands-free device. 9 states have bans on all cell phone use, including with hands-free devices. 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.
If the threat of a ticket isn’t enough to get you off the phone while driving, then consider your car insurance premiums. Right now, a ticket for cell phone driving may not increase your car insurance premiums or may increase it only slightly. However, that is starting to change. Car insurance companies realize that cell phone use while driving is risky. They hate taking risks so are going to bump up your premiums the moment you get a cell phone driving ticket.
Already have a ticket for talking on your cell phone while driving? Don’t panic about your cell phone premiums yet. In many states, your cell phone violation is like a parking ticket and doesn’t get put on your driving record points. Many states pardon your first violation. There are some states though, such as New York, which will put several points on your driving record the first time you break the cell phone driving laws.
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. In many states where you get points on your driving record for cell phone violations, your car insurance premiums could jump by 25%. With some providers though, your first offenses are pardoned. You shouldn’t be talking on your cell phone while driving at all but, if the state laws aren’t enough to get you off the phone, maybe the threat of high car insurance premiums will be.