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How much does a texting while driving ticket increase auto insurance? It's complicated, but you have to consider a few factors before deciding. For instance, if you're talking on your cell and don't know if you are texting, you probably are. So, how much does a texting while driving ticket increase auto insurance? Your answer will depend on several factors. The first question is whether or not you are guilty of using the cell phone while driving in your car.If you are, then it is possible that a texting while driving ticket will increase your auto insurance premium. Many people don't realize that they are considered liable for everything that happens while they are driving. This means that the police officer must prove that you were texting or talking on your phone when you were driving. In Egg Insurance , if you answer "yes" to these questions, you could be facing a significant traffic ticket. This is one of the reasons that many people simply decide to get a no-claims discount on their policy.However, even though many people automatically assume that this means that they will have to pay more for auto insurance, it doesn't necessarily have to be that way. There are things that you can do to reduce the amount of tickets that you receive. Many drivers who text while driving don't realize that they are in violation of the law. They think that all they have to do is turn off the phone and it won't matter. Unfortunately, this is simply not the case.You are charged penalties for each text message that you send and receive. This means that if you send five messages or more per month, you are going to pay some serious money for your infractions. The good news is that you don't have to worry about how much does a texting while driving ticket increase auto insurance premiums because you can lower them using simple tips that are easy to follow.For example, one of the easiest ways to avoid a hefty speeding ticket is to carefully meter your text messages. Make sure that you time your messages correctly so that you only talk for as long as needed. If you send a message at five minutes after leaving work, the officer is going to assume that you were just goofing around. By telling them that you were waiting for a friend, they will more likely consider your request to be reasonable. If you tell them that you were merely waiting for a friend to come by, it is more likely that you will get caught speeding.Another common way to decrease how much does a texting while driving ticket increase auto insurance is to simply not take the chance. Instead of using your cell phone, try talking on your car radio instead. If you use your phone in order to make an important call, turn off the speaker so that your voice will not carry over the phone speaker. It might seem like a silly tip, but the majority of speeding tickets are caused by drivers who are bored, so by avoiding talking on your cell it will be less likely to lead to a ticket. In addition, some voice applications like Skype and Yahoo Messenger has texts that can be sent via the Web.A third tip that can help you avoid a speeding ticket is to use your cell only in emergencies. The majority of people who are caught texting while driving are doing so in an effort to avoid speeding tickets. While this might be true, the punishment for a speeding ticket is usually considerably more severe than the penalty for a text message. Therefore, if you need to send a text message to a friend or family member and you absolutely cannot do it because you are driving, try another method. The punishment for a texting while driving ticket is usually a higher fine or a longer period of time with a suspended license.If you follow these tips, you should be able to get away with a texting while driving ticket if you receive one. However, as mentioned before, if you are guilty of a texting while driving violation there is no "out" unless you can prove that you were using your cell phone as a communication device when you received the citation. This is why it is important to hire an attorney that understands how much does a texting while driving ticket increase auto insurance. The majority of individuals that receive a texting while driving ticket will be allowed to fight the charge using a "texting while driving defense". With a skilled attorney, you should be able to win the case if you have been accused of using your cell phone as a means of communication.