Where's My Insurance Discount?

For years now insurance companies have been giving discounts to people for having taken driver education classes.

This is the driving reason behind many people taking them, or perhaps buying certificates saying they've taken them.

Now there are statistics showing that those who have taken a driver education course in Ontario are 62% more likely than those who have not to get into a collision. That's no small statistical potatos!

So with that in mind… should I not be getting a discount based on the fact that I have not taken such a course? Isn't that how insurance companies come up with these sorts of things? Aren't they based on the evaluated risk determined from these sorts of statistics?

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