In addition to avoiding the most common driving distractions, take extra precautions to avoid cell phone distractions:

Let it roll. Incoming calls to voice mail, that is.
Do it later. If someone calls you while they’re driving, ask them to call you back later and hang up.
Pull over. If you must talk or text, pull off the road first.
Lead by example. If you want your children to drive safely, show them how it’s done. A Consumer Reports survey found that almost half (48 percent) of young drivers had seen their mom or dad talking on a cell phone while driving, and 15 percent saw their parents texting.
Know your state’s driving laws. Several states have banned texting while driving. Distraction.gov lists the laws for individual states.

Today's insurance tips and ideas brought to you by ERIE Insurance.