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by bippi 4439 days ago
I would bet it would be more likely related to '1'.

I know insurance rates went down across the board 1-2 years back. It's hard to get a car without traction control and ABS now, which makes a huge difference.

According to this study, vehicle stability control really does decrease crashes.

http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3217442/