Getting a driver’s license is a huge milestone for teenagers, symbolizing freedom and responsibility. For parents, watching their teen drive away for the first time is both thrilling and unsettling. January, designated as Teen Driving Awareness Month, is an ideal time to celebrate and discuss road safety and insurance considerations.

Understanding Teen Driver Risks

 

Even though crash rates have been decreasing, teenagers still represent a significant risk group on the road. In 2021, drivers under 20 were responsible for 12.6% of all crash incidents while comprising only 5.1% of licensed drivers. Lack of experience, distractions, and overconfidence contribute to the heightened risks during their initial driving months.

Driving at night introduces additional dangers. Poor visibility, fatigue, and increased presence of impaired drivers make nighttime particularly challenging, especially for novice drivers.

Life-Saving Habits

 

Instilling a few simple habits can significantly reduce common teen driving errors:

• Ignore the Phone: Distracted driving is a leading concern. Encourage teens to use "Do Not Disturb" mode or keep phones out of reach while driving.
• Always Buckle Up: Seat belt usage among teens is generally lower, despite it cutting the risk of injury or death by half. Make it a rule to buckle up every time, for everyone in the car.
• Slow Down and Maintain Space: Speeding and tailgating are frequent mistakes. Stress that arriving safely is more important than rushing. More distance translates to more reaction time.
• Manage Risks: Set clear limitations on nighttime driving and the number of passengers. Fewer distractions help maintain focus.

Insurance Matters

 

When your teen becomes a licensed driver, review your auto insurance policy. Including them in your existing policy is often cost-effective, but ensure your coverage aligns with your family's needs.

Consider these coverage areas:

• Higher Liability Limits: Protects against medical or property expenses if your teen causes a serious accident.
• Collision Coverage: Covers repair costs after an accident.
• Comprehensive Coverage: Protects against non-collision incidents like theft or weather damage.
• Uninsured/Underinsured Motorist Coverage: Offers protection when the other driver lacks adequate insurance.

Consult your insurance agent to explore all options, including potential discounts for good grades, driver-training, or safety-equipped vehicles.

A Month of Celebration and Preparation

 

January serves as more than just an awareness month—it’s a chance to celebrate your teen's progress and prepare them for future challenges. With support, open communication, and adequate coverage, you can help your teen develop confidence and lasting safe driving habits.

If you’re considering reviewing your auto policy or adding your teen, reach out to us today. We’re here to ensure you can embrace this exciting milestone with confidence.