Yeah, no kiddin. My step-sister is 17.. she's totaled TWO cars by now. Me? I've never even been in a wreck but our insurance is about the same. How the fuck do you explain that?
In my experience women are worse drivers. I think too many guys just push the envelope. Most of the time I see someone barely able to keep their car in a lane it's a woman on a cell phone. So if guys would drive a bit slower I bet it'd be reversed =).