I think I am the worsest driver here. my 18 y old son is

afraid of my driving and sit in the middle of back seat. I have all the bad habits you talk about here. In downtown, I drvie cross the line to block other cars and clear my view every day. 75% over speed limit, avoid one accident on highway every two days, to close to front car so they change to aother line as always. so far, I havn't hit other cars and only other cars hit my car. so my insurance is the same.