Texting While Driving Can Be Costly For Auto Insurance Premiums

As of the beginning of 2009, more states have placed restrictions on mobile phone usage, whether that be texting or talking. The following states have a ban on all text messaging while driving:

• Alaska
• California
• Louisiana
• Minnesota
• New Jersey
• Washington

Texting while driving carries a fine, but the impact it could have on your auto insurance rates is the real penalty. For example, in California, if you are caught text messaging while operating your vehicle, you will receive a fine of $20 for first time offenders. However, the message that this end to auto insurers is that you engage in risky driving behavior, and there is a good chance that your auto insurance premiums may increase the next time you renew. More and more accidents being caused from distractions from cell phone use, especially texting. be safe on the road by not using your mobile phone while driving.