Honestly I'd say, try not to sweat over ratings this early on.
What's more important when you're starting out is to learn the cars and tracks, work on your personal skills and treat every race as a chance to get more experience.
The penalties can be frustrating for sure but they're not something you can change so focusing on them won't make you better. It bears repeating; just try to drive clean at all costs. It's better to wait behind someone for the right opportunity than pull a risky move and potentially hit them. People are vengeful in this game.
Also, welcome to GTPlanet! You've found a great resource for all things racing and the best place to ask any of these kinds of questions