Also a generally FYI, not all states have discounts based on age. I know for a fact at least Washington does not.
I will say though, I had a accident on my record (single car) and my wife had an accident (single car) and 2 speeding tickets <20 over and they all went past the 36 month point this year and our insurance dropped from 210 a month to 120. Also moved to NY from WA, dk if that had any effect. 2011 wrx and 04 civic.