As an driver, I think too much emphasis is placed on those global mean crash/fatality rate statistics. That sort of analysis is too reductive. By not being an alcoholic and choosing to always wear a seatbelt, not driving in bad weather, choosing to obey the speed limit, etc.. individuals can deliberately boost their chances well above the national mean. Insurance companies charge different people different rates because they aren't so reductive as to only consider national averages.

The response I usually get when I talk about is "everybody thinks they're better than average, so changes are equally good you're not", but that too is too reductive. Loads of people drive drunk, while I know that I don't. That alone significantly stacks the odds in my favor for the likelihood that I'm correct in thinking I'm above the average.