At least in ON every driver is classified by a 6-star system: Normally a new young driver is rated as a 1-star one; 1 year driving experience w/o claim turns him/her to 2-star, and so on so forth until maximum 6 stars. No doubt the more stars one has, the less premium he pays. If he's a new driver taking a certified course, he normally qualifies 3 star immediately. That's why there's premium credit around 10%~15% to him.