answer: #Person1# pays twice the price of car insurance than Janice does. Janice thinks men always cost more to insure because most car accidents are caused by men. #Person1# thinks Janice spends less on insurance because Janice drives less.
documents: #Person1#: Janice how much do you pay for insurance?
  #Person2#: Which kind?I have many kinds of insurance. There's car insurance, home insurance, life insurance.
  #Person1#: Ah, car insurance?
  #Person2#: Let me see. I pay $100 a month.
  #Person1#: Wow, that's cheap. I pay twice that much.
  #Person2#: Well, there are a couple of good reasons for that. For one men always cost more to insure than women.
  #Person1#: What? How can you say that?
  #Person2#: Well, if you look at the number of car accidents in the US that cost insurance companies a lot of money. Most of them are caused by men.
  #Person1#: You're saying that I'm paying too much money because what other guys are doing wrong.
  #Person2#: Exactly.
  #Person1#: But I'm a great driver.
  #Person2#: Really? How many accidents have you been in this past year?
  #Person1#: I don't know. 3 or 4 I guess? But only one of them was my fault. OK. It may be 2 of them.
  #Person2#: Right. Do you know how many I've been in over that same period?
  #Person1#: Let me guess. 0.
  #Person2#: Bingo.
  #Person1#: So that's the real reason why your insurance is so low. You don't drive enough.
  #Person2#: I think you missed the point.