Following the rules is not enough. You also need to manage risk.

Official safe driving advice is targeted at morons - all you ever hear is: don't speed, don't drink, don't drive when you're half asleep and don't forget to wear a seatbelt. Safe driving is more complex than this, and most of us - 90-something percent - are already complying with those basic four rules.

If you're a responsible driver, where can you get advice about cutting risk when you drive? Try these safer driving steps. Getting on board with even some aspects of this plan will slash your risk of getting into a crash. You can implement these, simply and easily, today - but you might have to break some bad habits in the process.