No. 1 - Pay attention!
"One statistic often quoted is that most collisions happen within a short distance from home. Why is this true? Since we mostly drive in our own neighborhoods, the odds are we'll have most of our mishaps there. Close to home we get more comfortable and perhaps let our guard down (and the other guy does the same thing); you've heard that "familiarity breeds contempt?" Better yet, familiarity breeds inattention. We don't often consider that serious or fatal injuries can occur in low speed collisions."
I can vouch for this! I had a high school friend who was killed in his suburban neighborhood. He hit a tree at relatively low speed. And on my own road a driver was killed when he straightened out a curve -- and went into a deep ravine that few people even knew was there!