Ther you have it: middle age crisis drivers drive like they are indeed middle aged. Low testosterone has effects insurance companies like, evidently.
Low Testosterone? Huh? Our son is over 6 ft tall, over 200 lbs, body builder, mixed martial arts, also a street preacher, strong Christian, who at 30 doesn’t smoke, cuss, drink, lie, speed, etc. He is very mature for his 30 years. But if anything he has Too much testosterone! He gave his life over to Christ many years ago, and is such a good man!