Trying to prevent being in an accident is hard to do, since the reason accidents are called accidents, is that no one plans them. The most common reason for accidents is not paying attention to your surroundings, which means "anticipating" when someone else does something stupid and may have to avoid being hit, or texting/on the phone is a major reason. But many times we have an accident is due to the weather which if rain/snow/sleet causes more accidents that under normal situations would never happen. And no, there is no (God clause), since an accident is an accident no matter the reason.
I am old and have had 3 accidents in my entire life. 1969, not at fault, 1996 at fault and last year 2018 was a 50/50 accident.
Now the most common is rear end-at fault, then next is usually making a left turn at an intersection, which can be (both) and then parking lot accidents are usually 50/50. With stop signs, or (who) had the green or red light can be disputed.
At 1st glance, thought how many could be less than 50%, but could be many, since the (tide) in the insurance industry in the last 10 years, is that insurance (won't) pay 100% anymore, since the thinking it that the other person could have avoided or prevented (somehow) in the accident. A good example is the left turn in an intersection, that depending on (where) the other car is hit, then insurance will make the other (less) fault driver anywhere form 10 to 30% at fault vs the at fault being 70 to 90% at fault. For every (10%) less is what the insurance companies pay (less) for repairs.
Before I retired, then the (only) time insurance paid 100% was for a rear end accident or hitting a park car. With parking accidents, most of them are usually decided at 50/50 (both) at fault.
Look, you said you can afford both and so can I. Considering that in 50 years have had only 3 accidents, I too had raised my deductible from $250 to $500 to save money, thus taking the chance no more accidents. Life is a crap shoot, thus why pay more and hope not unlucky.
retired auto adjuster