You’ve undoubtedly heard the phrase, “women drivers”, uttered by men while rolling their eyes as if to say that women are not good drivers.  In Men are from Mars, Women are from Venus, author John Gray notes the many subtle and not-so-subtle theoretical differences between men and women.  Driving ability may not be among them, but auto insurance companies seem to have bought into the scheme that there are, indeed, differences between the sexes.  They base their findings, and, in turn, their rates for insurance premiums, on statistics, however, not on theory.  Their conclusions may surprise you.