That quick peek at your phone could cost you more than you think. A few years ago, the rules around using your mobile phone behind the wheel changed, and the consequences for getting caught can be a major headache for both your driving record and your insurance. Since March 2022, it's been illegal to use a handheld mobile phone for virtually any reason while you're driving—not just for making calls or texting. This includes everything from scrolling through a music playlist,