Laura, you can't be that stupid, well actually you can. When a boy gets a drivers license, there is insurance to pay and the family with a boy pays quite a bit more that the family with a girl at the same age and the same amount of driving experience. The rate for a male is higher from the start than the female and it stays that way for a long time. So, if you believe that you are a male, when you were born a female, then you should tell the insurance company that the driver is a male and pay the higher rate, just because they are a male (well that is what they believe). You paid a higher rate when you got your drivers license when you were a teenage boy all those years ago.