I think the last thing I need (or anyone in NJ for that matter) is higher car insurance rates! I drive like a granny because it's just not worth it. I now have a new car, but a few years ago I was paying more in car insurance (JUST for liability) than my car was even worth!

I think the law should be enforced, i.e. receive a ticket if seen on a cell phone, but I don't think insurance rates should go up (and punish those of us that don't break the rule).