January is Teen Driving Awareness Month, making it the perfect time to celebrate a big milestone—your teen earning their driver’s license—while also focusing on safety and the insurance coverage that protects your family. As a trusted independent insurance agency in Hagerstown, MD, we help local families navigate everything from auto insurance to personal umbrella insurance so new drivers stay protected on the road.

Why teen drivers face greater risks

Teenagers remain one of the most vulnerable groups behind the wheel. Inexperience, distraction, and the confidence that comes with new independence can lead to higher accident rates. Nighttime driving increases risk even further due to reduced visibility and challenging road conditions—especially for young drivers still building good habits.

Habits that make a big difference

Put the phone away. Even quick glances at notifications can lead to severe crashes. Encourage “Do Not Disturb” mode or storing the phone out of reach.

Buckle up every time. Seatbelt use significantly reduces the risk of severe injury. Make it non-negotiable for drivers and all passengers.

Slow down and keep distance. Speeding and tailgating are common teen mistakes. Extra space allows more reaction time.

Limit higher-risk situations. Reducing nighttime driving and limiting passengers helps minimize distractions.

Don’t overlook the insurance side

Teen Driving Awareness Month is also a smart moment to review your auto insurance in Hagerstown, MD. Adding a young driver to an existing policy is typically the most cost‑effective option, but it’s important to make sure your coverage limits are strong enough to protect your family and your assets.

Key areas to review:

Higher liability limits: Essential if your teen causes injuries or property damage.

Collision coverage: Pays for damage to your car after a crash—regardless of fault.

Comprehensive coverage: Protects against theft, vandalism, weather, or wildlife damage.

Uninsured/underinsured motorist coverage: Critical protection if your teen is hit by a driver with insufficient coverage.

Many carriers also offer savings—such as good student discounts, driver‑training discounts, or savings for vehicles equipped with the latest safety features. Our team at Wright-Gardner Insurance can help you compare insurance quotes in Hagerstown, MD and find the best rates and protection.

A month to look back and look ahead

Teen Driving Awareness Month is a meaningful chance to celebrate your young driver’s progress, reinforce safe habits, and review the auto insurance coverage that keeps everyone protected. With thoughtful preparation—and support from a local, independent insurance agency in Hagerstown MD—you can help your teen build confidence and stay safe on the road.

If you’re ready to review your auto insurance, explore personal umbrella insurance, or add a new teen driver to your policy, visit www.wrightgardner.com or contact Wright-Gardner Insurance for guidance from a team that’s been serving Western Maryland families since 1914.