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Originally Posted by freezin
Women are generally are safer drivers and the crashes they have tend to be a much lower speeds, and that's why we can get lower insurance premiums.
The fact that this woman is a bad driver doesn't change that. I haven't seen a man putting his make up on, but they certainly do other equally stupid things, and often at dangerous speeds. Too much testosterone perhaps? 
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Almost...
Its actually due to the fact that:
1) Women average fewer miles per year than men, so the less you drive, the less chance you'll make a mistake and crash.
2) Women drive smaller, cheaper cars that are cheaper to repair.
That's why they have lower insurance permiums. Skill doesn't really enter into it much.