Does a cell phone or texting ticket affect my insurance?

Different companies have different ways of treating a “cell phone” ticket or violation for using a device while driving.  These laws and regulations are newer, so the situation continues to involve.

The answer, generally, is yes.  While the DMV may regard a ticket for texting while driving, or using a portable communication device while driving differently, each insurance company has it own rules regarding these violations.

If you are convicted of a charge for talking on a cell phone or texting while driving, you may pay higher insurance rates.  If you have multiple convictions, some companies can decline your quote completely.  We work with multiple insurance carriers to help find one that will work with your driving record, even with multiple citations for these offenses.

The safest thing is to avoid distracted driving.  It puts you and others at risk.