I agree with the comments. I am the first person to admit I was a useless driver at 20. Once I had 3 accidents in one week (I was working way too hard and was over tired). But I haven't had another accident since.
I would say this though. Years and experience can be gained the long way. Or you can short cut the circuit by getting defensive driving lessons and getting out on the track as much as possible. Its one thing to know how to drive a car under normal circumstances, any schmuck can do that. When most people get into trouble is when they are surprised by something, they over-react and wonder why the car acted in unexpected ways. Get a car on a track and take it to the limit and even past the limit. It is a sure way to learn how to handle a car and what to do if you encounter a surprise.
Also I'm no prude. I speed as much as the next person. But I drive to the conditions. Speed is for the open road. Running red lights, tailgating, lane jumping, show boating etc are sure ways to scrap a car and maybe a life.
OK Now who is sounding like a Mum