Everybody may think they are "skilled", but any given person can in principle assess their own risk more accurately than assuming they are average. Don't confuse safety with nebulous ideas of skill or ability.

You can compare your insurance rate with the average, and you can consider objective factors that are really blatant such as whether you drive drunk, or when falling asleep, or while texting. And of course you can compare the number of accidents and tickets you have to average.

Well, if you're only claiming median skill I don't think that applies.