And moomoo, you can affect a lot of your safety with your driving style. If the weather isn't so good cut your speed down. If you aren't sure that you can control your car, slow down. Speed limits are only upper limits and you haven't to drive so fast if you aren't sure. Ofcourse it isn't good to drive slow only for fun because it causes passages and add pressures of other drivers and that raise risks a few but it's still better to drive slow if you have a real reason. If something happens lower speed gives you more time to react. Also damages are often smaller in slow speeds. Besides speeds be careful in crossroads and learn your traffic regulations well. Be sure that your car is in good shape and properly equiped before driving. Ofcourse there are many reasons which cause accidents but you can prevent a lot if you're careful. Believe me, we have e.g pretty mixed weathers over here and I've driven on dry roads, snowy roads, frozen roads, slush roads or whatever and even if I've had a driving licence only for 6 months now (I've driven overall an year if I count my student driver time) this variation of conditions has made me careful and I often highlight that if I have to give tips for someone. Consider different conditions & situations, estimate yourself and your driving skills critically.
And I can consolate you a little
I know that it can be a scary to drive first time but it'll turn better when you drive more. I remember my first time - my speed was perhaps something around 5kmh but I was sure that I can't control the car. Today I can drive 100kmh without feeling a fear.