Get a headset or speakerphone. A voice-activated phone is even better. Don't look up a number while you're driving, and don't dial them unless you're stopped at a red light. There's a much bigger problem here. The real problem is that with or without cell phones, most people can't drive.
Cars are big dangerous things that take attention and skill to operate.
And by focusing on cell phones we're skirting the real issues. Reducing the number of accidents on the road will take choices much harder than banning cell phones, hamburgers, radios or passengers. If we as a society want to get serious, we have to stop looking at drivers' licenses as entitlements and create a serious and difficult national driver-safety program that is part of our licensing. All drivers should be taught real defensive driving skills and given comprehensive road tests on wet tracks with simulations of emergencies. This of course would cost money, and would be a big inconvenience for anyone who has to re-take the test.