Q: I would say 90 percent of all drivers are on their phones not just Prius drivers. There are many distracted drivers out there, not just teenage or young drivers either. I fortunately will not be one of those distracted by a cell phone since I don’t own one … So someone guilty of talking on a handheld cell phone or texting while driving could see their insurance rates jump $290 a year for three years. That should get the attention of these distracted drivers. … Raise the fines, please to $500 or so. A $160 ticket is not enough.