Gaining a driver’s license marks a major milestone in a teenager’s journey — it's a badge of independence and responsibility. For parents, watching their teenager drive away can be both thrilling and anxiety-inducing. That’s why January’s Teen Driving Awareness Month is an excellent opportunity to celebrate this milestone while focusing on safety — both on the road and within your insurance policy.

Understanding the Risks for Teen Drivers

Despite a reduction in overall crash rates, teens continue to be highly vulnerable on the road. In 2021, drivers under 20 represented 12.6% of all crash-involved drivers but constituted only 5.1% of licensed drivers. Inexperience, distraction, and overconfidence contribute to the risks during their initial driving months.

Night driving presents additional challenges. Limited visibility, fatigue, and increased numbers of impaired or distracted drivers make nighttime particularly risky, especially for teens mastering new skills.

Lifesaving Driving Habits

Many typical teen driving errors can be avoided with consistent habits:

• Ignore the Phone: Distracted driving is a major threat. A text or quick social media check can lead to accidents. Encourage teens to use “Do Not Disturb” mode or store the phone away while driving.
• Regularly Buckle Up: Teen seat belt use is lower than adults, though seat belts reduce serious injury or death by half. Make it a firm rule for everyone in the car.
• Maintain Safe Speeds and Distances: Speeding and tailgating are common mistakes. Remind teens that reaching their destination safely matters more than arriving quickly. Allowing extra space provides time to react.
• Minimize Risks: Set limits on nighttime driving and the number of passengers until your teen gains experience. Fewer distractions enable better focus and alertness.

Insurance Matters

When your teen starts driving, it's a good time to reassess your auto insurance. Adding them to your existing policy is often the most cost-effective solution, but ensure your coverage meets your family’s requirements.

Consider reviewing:

• Higher liability limits: Covers medical and property expenses if your teen causes a serious accident.
• Collision coverage: Covers repair costs for your vehicle following an accident.
• Comprehensive coverage: Protects against non-collision incidents like theft or weather damage.
• Uninsured/underinsured motorist coverage: Protects if the other driver lacks sufficient insurance.

Your insurance agent can guide you through these options, balancing coverage with affordability. It's also a chance to explore discounts for good grades, driver-training, or safety-equipped vehicles.

Celebration and Readiness

Teen Driving Awareness Month isn’t just about awareness — it’s a time to celebrate your teen’s achievements while preparing them for future responsibilities. With encouragement, open communication, and suitable insurance, you can help your teen develop lasting safe driving habits.

If you’d like to review your auto policy or discuss adding your teen, contact our office. We’re here to ensure you and your family can enjoy this special milestone with confidence.