put yourself in the shoes of an insurance company. There's a statistical group of people over here who cost your company quite a lot of money, and a group of people over there that don't. Would you rather have 10 more drivers from the first group on your books, or or 10 more from the second group?
If I was selecting, I'd rather someone from the second group, and I'd offer a preferential premiums to attract them. These would be balanced against the premiums offered by other companies, so if I found that I was suddenly attracting way more of the risky end than the non-risky end than I'd like, I'd re-adjust to bring things into balance.
If I found a subgroup of the risky group that was much less risky than the rest, identifiable somehow (affiliation with dungeons and dragons club, or something) I could offer discounts to them, and snaffle the better risks away from the less scientific companies, leaving them with a riskier book on average.