Definately take the course. The advanced course is good, but you cannot take it unless you have your license & have been riding for over 2 years (I think that was the rule - check the website)
When did they start with the permit? I bought my bike with nothing other than good credit & an insurance card stating I had “motorcycle” insurance. That was 5 years ago.
Most insurance companies do not give the discount anymore. I believe it something with PA laws allowing them not to discount.