In general if a behavioral change gives you both security and another desired benefit you already win. For example: Safety classes cost 150EUR and need one afternoon, for punctual benefit when an accident occurs. Maybe out depending on your criteria. Driving safely, conservative, with correct distances and non-aggressive is basically free. Maybe one needs to look into it for a few hour, otherwise you lose a few minutes that dangerous driving could have thought (i read studies on that, but that was ages ago). Using a seatbelt is basically free. Replanning your transport infrastructure takes a few hours but can also lead you to safe actual time. (Reading on a train vs. actively driving a car.) Choosing the car you buy on safety features has a one time limited effort for durable benefit over car usage. I am not aware of actual effects of these activities on longevity. The OP pointed out how car accidents are a major cause of death in his age group. Avoiding them sounds like a good idea.