Do you think your anecdote is more likely to be true than an insurance company putting its money where its mouth is?

"Tesla Full Self-Driving is twice as safe, so Lemonade takes 50% off every mile driven with FSD."

I don't know anything about Lemonade, so I can't comment on the logic behind that business strategy, but by definition all the dangerous behavior of FSD is excluded from the analysis since you have to shut it off to avoid the danger.

Beyond that, the effect size of my anecdotes assures me that it is not safer than a human driver. It's just obvious.