You absolutely should try harder to not have an at-fault auto accident for your and other people's sake. I'd also recommend having massive dying trees cut down near your house.

I've used a 2% cash back credit card for the last 5+ years. If the CC Company offered to make it 3% in exchange for reduced or inhibited fraud insurance I would seriously consider it.

I've also foregone health and home insurance in some instances.

But I appreciate that risk assessment is absolutely not for everyone.