Wow, that sucks man.
As to insurance for the ladies - My insurance was higher when I drive an '01 Celica than it is for my S2K. It dropped about $15/month.
But I truly believe insurance has NOTHING to do with who you are, it's all just a big scam. I changed apartment numbers (literally moved about 40 feet away within the SAME complex) and my insurance went up 5 dollars. Joshua's insurance, who is on the same policy as me, went DOWN $4 dollars. We called and they said it was due to an address change that changed our risk. No zip code change, just went from Apt #2134 to #2005. Risk change my ass.