text: One reason people should not use cell phones while driving is because this can lead to insurance rate increases. Receiving citations can have an effect on insurance rate. For example, when a driver runs through a traffic light or stop sign and receives a citation by law enforcement, this information is generally reported to the driver's insurance company. This possibly effect males differently than females. According to Isabel Prontes, "Young men under the age of twenty-five generally pay higher auto insurance rates than young women" (https://pocketsense. com>. Likewise, a driver's insurance rate will very likely increase when they have an accident. If the driver is at fault of the accident, then they have to pay for damages done to the number of vehicles that was involved. Since Georgia has passed the law banning cell phone operation while driving; frequently, there are victims who continue to break this law, and eventually get caught. Receiving citations (tickets) causes an increase in drivers' automobile insurance rates.