Honestly, I bathe in idiocy because it works. One of the "tricks" I've picked up is that if I'm being tailgated in town or someone is otherwise driving next to me and won't stop I'll turn off traction control and "light up" the rear end of my car. Everyone 'scatters' at that point. A lot of people don't understand this driving style. I look like a complete idiot, but people pay attention to the idiots. They watch them, they hang back, thus making the idiot a lot safer. My car stops from 60 to 0 in 97 feet. It takes someone in the average sedan nearly twice as far. The further I can keep those people away from me the better. When I'm driving I'm engaged. I drive a low fast sports car which requires full engagement. This makes me the safest person on the road no matter how bad I look to other drivers. This is a key concept when on a motorcycle as well. If you are blending in by being "good", no one is paying attention to you. If you are driving a loud bike, speeding up and slowing down aggressively, popping wheelies, and otherwise behaving like an ass, you are visible. Scare those around you and those around you will give you room and on the road and room is king.
I agree to an extent. I also drive "like an idiot" and haven't been in an accident aside from being t-boned in traffic when a very old person didn't stop for a red light. I'm also very engaged while driving and pay lots of attention to everything going on around me. I don't listen to music or eat or have children or do phone calls while driving. I also consider driving a hobby / sport and value continual life-long improvement in it. I practice in realistic driving games and I've been doing so since I was very young. I'm very interested in participating in track days and auto cross events. I do most of my own car maintenance, drive a manual, and I know how my vehicle works in quite deep detail. I also know how it handles at and beyond the limit, when it will break loose in the front and rear, how quickly it can stop and accelerate, how hard it can swerve.
This app and the related one about insurance liability (posted here maybe a week or two ago) would unfairly rate me, because I go against the risk model and win consistently. I also agree that there are MANY "safe" drivers whose indecision and timid driving leads to bad situations; merging at 45mph, slowing way down for ramps, stoping at yield signs, driving under the speed of traffic, braking unnecessarily in traffic, etc. However, since in my situation, the insurance company gets to charge me a lot more, they're incentivized against modeling drivers like me as less risky than someone who is involved in more accidents than me but drives well within the limits and doesn't understand what happens when they approach or exceed them.
I'm in exactly your same boat. Do all the work on my car myself, only drive a manual, know how my tires will perform on various pavement at various temperatures, wear driving shoes, leave the radio off, etc., because I'm an enthusiast. A few years ago I was teaching my son to drive on slick roads so we were spinning cookies, doing bootlegger turns, and using engine power rather than braking to get out of situations in the county fairgrounds parking lot. There was no one around, nothing to run into, but yet a local officer started circling us on the perimeter lot road, at which point I had my son back off for safety reasons since there was another car in the parking lot. Anyway, he decided to light us up, then threatened my son and myself (because he had a learners permit) with reckless driving charges. And so it is in the US, land of the ignorant when it comes to actually learning how to drive or having the ability to teach our kids how to drive in an abandoned parking lot. I much, much, much prefer Germany in this regard. They really do get it on this front.
Basically what you're doing is playing Russian roulette, and you keep "winning", well yeah, that happens, right up until it doesn't.
Drive like a Google car. Stop being an idiot. Get a smiley face score.