To answer a previous question, women have lower insurance premiums because they don't cause as much damage. Guys tend to drive nicer cars, and when they crash cars they REALLY crash them. Guys are also more likely to be involved in multi-car, shared negligence collisions.
Women are driving anywhere from 1.5-1.8 times as often as men when it's an at-fault accident though. They cause an untold number of little fender benders and single car accidents. Crashes like Spook's wife's are the exception rather than the rule.
However if someone just rear-ended you on a dead empty street with miles of visibility, or you see a busted headlight from "someone" pulling out of the garage and not paying attention to where they were going, or when some clueless dipshit takes a left turn in front of you when you had the green light, you're almost twice as likely to see a woman behind the wheel.
It's a vaguely funny joke and all, but it's also a dead serious fact: Women are vastly inferior to men at driving.