Oh this is hilarious. First, I own a Mercury and a Ram, so I'm apparently the best and the worst at having accidents, DUIs, and tickets.
But I think there's an inherent terrible bias in the data: "Our latest analysis uses QuoteWizard by LendingTree insurance quote data..." In other words, people who are regularly shopping for insurance. Probably because they have high rates, so therefore they are looking for better rates. Why do they have high rates? Probably because they have more crashes, DUIs, and other tickets than the average drivers.
I doubt that most people with normal rates go changing insurance companies regularly.