So if they find I'm a good driver, never getting in any accidents, maintain a good distance between myself and other vehicles, don't get any tickets, they'll give me a huge discount, at least 50%, from what I'm paying now, right?
Yes, that's true for me (in England-land.) But conversely when I had a minor claim my premium doubled the following year.
It's called a No claim bonus (or discount). Look it up.