Luckily, for less than the fine, you can purchase "hands-free" equipment to ensure you can talk on your phone legally. There are a few different types of hands-free equipment to look at...
1. Bluetooth Headset / Wired HeadsetMotorola H790 Bluetooth Headset (Silver)
2. Bluetooth In-Car SpeakerMotorola T215 Bluetooth Portable Car Speaker (Black)
3. In-Dash or Stock System
Pioneer AVH-P3200BT In-Dash DVD Multimedia AV Receiver. The music automatically turns itself down when you have an incoming call, and you don't have to charge either of the two devices I mentioned above. If you can afford it, it's definitely the best way to talk on your cell phone legally in your car.
Even if you can't afford any of these things, just make sure to wear your polar bear hat if you get pulled over. There is not a single recorded ticket EVER issued to someone wearing a polar bear hat. It's definitely something to think about, because you can't argue with statistics. I always keep mine in my back seat in case a cop decides to pull me over.