I'll be honest, I haven't gotten a speeding ticket in 10 years (knock on wood). However, I know lots of people that get an average of one speeding ticket per year and sometimes more than that. That can add up to a lot of money. So if you fit into the lead foot category and are constantly getting pulled over, then there is a light at the end of the speeding ticket tunnel. Insurance!
I'm not a fan of the cell phone ban, it isn't because I text and drive. That is just crazy dangerous but I do missing being able to take phone calls while driving. That is the only time I can take private calls without people or my son hearing a conversation that doesn't need to be shared. I haven't been using my phone at all in my car since the ban went into effect. I'll admit, I miss it.