Well, certain vehicles attract certain types of drivers, which has an effect for sure.Considering you drive a Ford Focus, do you consider yourself a "high risk" driver?
I try to be a low risk driver, as I know the car isn't going to save me in a head on with most vehicles, so I pay attention far up the road, match my speed to the situation and try to minimize risks as the consequences get larger.
So I don't play games when someone does a poorly thought out pass on the 2 lane highway, and cover the brake through intersections where I'm unsighted for a car turning left in front of me. Basically drive like I'm on a motorcycle. An exciting excursion off the track at 65mph on a track day, makes me not want to have a problem on the road at 80mph, so I don't speed too much or too often.
So far pretty good, over 30 years of driving with only one fender bender when I was 25, and only the one ticket for that.