Here is an idea. Offer a optional insurance plan that has a really low rate but in order to be insured applicants are required to take a drivers test every three years. Should they fail the applicant would be put on a provisional plan with an expiration date and the full plan would not be reinstated until they complete 48 hours of a drivers education program, test again, and pass. You maintain a higher standard of driver competency which leads to a lower rate of at fault accidents by your customers. You profit from having to pay fewer claims thanks to few accidents and your customers have the benefit of lower rates in exchange for mandatory review periods. Now if all the car insurgence agencies were to compete with plans like this you would have even fewer accidents which makes a wining situation for everyone.