text: Another reason and perhaps a more tangible reason to ban the usage of cell phones while driving, is to prevent car insurance from rising. In society, money is tight when it comes to doing different things with the way the economy is now. If you can, try being careful because the money you put towards careless accident that can be prevented can be put toward a light bill, etc. The more the number of tickets you attract against your name, the higher the insurance will be. In recent studies companies are paying close attention to the link between cell phone use and car accidents and many auto insurance websites warn of distracted driving.