I think that was Misha driving the PT cruiser. She drives about the same way. Yea I don't know why girls insurance is lower than ours. But I do think theirs is going up, I hope. (sorry Misha)
from what I've heard, it is that women get into more accidents than men, but men get into more fatal accidents than women. so our insurance is higher because the accidents we get into are more serious i.e. more insurance medical payouts, than the usual fender bender.