Well, I think your car is the most dangerous restaurant in the world.
I've been guilty of eating while driving, though. But it IS stupid, I know.
Talking? Depends on who is in the car with you. There are certain women I will not share a car with, whether driving or being a passenger. Honestly, I've never had a problem of being distracted by talking with guys while driving. Guys just know not to mess with the driver's head...
I just got my first cell phone, and as novel as talking on it while driving can be, my motto is definitely:
drive now, talk later!
That's my angle on this, and I'm sticking with it.
my car insurance bill is under $500/year. I'm sticking with that, too!