Young aggressive males??

In the last few years, I have been more concerned with young aggressive FEmale drivers. Anytime someone races ahead of me to pull in front and then block the lane to make a turn 100 yards down the road, or passes me on the right by using the shoulder (not a lane) or pulls out in front of me, etc. 9 out of 10 times it is a young girl. She will also probably have a car full of her friends who she is turning around and yakking to. And all of the accidents I've seen in the past, oh, 5 years have involved young girls.

So why do they still pay less in insurance premiums than young (and not-so-young) men (even with clean driving records)?