will my insurance go up with a cellphone violation in california. i have liberty mutual

While each state and insurance company is different in how they charge for various tickets, most insurance companies in California do not charge for a cell phone ticket. It is not considered a moving violation as far as insurance rating goes, so it will not affect your insurance rates. However, if you cause an accident while driving and using a cell phone, you will be subject to a rate increase for the accident. Also, many towns and cities are being very aggressive if you cause an accident while talking on the phone or texting.However, this is a very expensive ticket and if you get another one, the financial effect for the ticket will outweigh the possible effect on your car insurance. You need to get a headset if you are going to continue to use your cell phone while driving. It has been proven that this is a very distracting and dangerous practice, and some insurance companies are considering changing their rates to charge for such tickets.