The secret weapon of women why they're offered low rates?

Do you know what is the secret weapon of women on giving them lower rates than men according to auto insurance quotes?

Simple.

Women are very low in car accident risks than men. Why? Because most of the male drivers are suffering from car accidents because of the speed and drug addiction as well. But for women, I think only few cases every year on car accidents than male drivers.

You know now the secret weapon of women in car insurance, huh?

I wish I will be a girl in my "second life" if possible.