As you've probably noticed out on the roadways, many drivers have a habit of talking or texting on their cell phones while behind the wheel.

But the use of cell phones while driving has become a ticketable offense in many states, and a ticket could increase your auto insurance rate.

Cell Phone Laws

Numerous studies have shown that using a phone while driving significantly increases the likelihood of an accident, especially text messaging.

As a result, many states have passed legislation against the use of cell phones while driving. Laws vary by state. Some states ticket drivers for talking, others for texting, some for both.

Attend Traffic School

Depending on the nature of your violation, most states will allow you to take traffic school to dismiss a ticket. If you are given this opportunity, take it. Tickets can remain on your driving record for 3 to 5 years, depending on your state, so wiping a ticket from your record will help you avoid several years of high auto insurance rates.

Ticketed for Talking or Texting? Shop Around

If a ticket has increased your auto insurance rate, compare quotes and search for more affordable coverage. Rates vary widely by insurer, and not all companies punish drivers for minor infractions, so you may find cheaper coverage with another insurer.

To shop and compare auto insurance quotes right now, use LowPolicy.com's free online quote form.