I just had a debate over car insurance rates being based on gender.It seems woman have lower rates because statistics show that men are worse drivers.His side of the argument was that men being testosterone fueled mammals had higher instances of road rage(which I do not contend)but that road rage had a significant impact on any statistics compiled and the outcome of the higher rates for men.

He also insisted that a multi-million dollar insurance company simply could not have faulty statistics/parameters to calculate the rates provided to their clients....

Any input on this?