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MartinB comments on Humans are not automatically strategic - Less Wrong
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I choose a live style that lets me limit my driving severely. Might be easier in Europe than the US. If you must drive, then doing a training in safe driving can help a bit. It trains some reflexes for emergency situations. Also avoid to drive at the specific times when most accidents happen. Which here is Friday and Saturday night, when the drunk drive home after the disco, and the few first days of icy weather each year. Also one should have a up-to date car, with Air-bags. Safety is for the most part a play with statistics, but it is really easy to reduce your risk below the average. And then you will never find you what kind of troubles you managed to avoid.
This is a good approach. It's not the primary reason I choose a life style that minimizes car usage but it is definitely an additional benefit of arranging for a largely car free existence and one I am conscious of.
It also helps financially, and I picked my current room so i could walk to work in 10-20 minutes. I would hate to have to commute each day. But those preferences might change with different living situations. The general idea is just: if it is dangerous, do it less and learn how to do it well.
Yes, a primary reason for aiming for a lifestyle where I have a reasonably short (30 minute) walk into work is my dislike of commuting by car. I figured out early on that it made me miserable (and wasted a lot of time) but I've subsequently seen a fair bit of evidence that the common trade off of a longer commute for a larger house is a poor one for most people.
I don't always follow this rule. Some activities I enjoy are relatively dangerous (snowboarding for example) so I just aim to do them as safely as possible but I don't necessarily try and do less of dangerous activities if I enjoy them. It's a win-win to do less of dangerous activities I don't particularly enjoy however.