I think the best thing would be mandatory drivers education. Few schools seem to be up to par, but that's something that would have to be worked on. In order to cause a great drivers education you might have a good drivers test: A long, difficult, written test followed by a driving test. It'd be expensive. It might be good to propose it to the insurance companies and see if they can guarantee a price cut; if they can guarantee a good cut for it you might be able to make it optional and just remind people how much it'll save them in the long run.