...insurance is cheaper for ladies is because they generally cover less distance in a given year & also that their hubbies usually get them to drive back from the pub...

Only kidding. ;-)

Seriously, the mileage covered IS I'm told one issue.
Another being that in general women are less agressive behind the wheel leading to less impulsive actions that cause men to crash, also don't speed as much & STILL manage to apply make-up/lippy at the lights...lol

Torque (it up...) 8-)