Baby boomers did everything and went everywhere in cars. Not so the Gen X and Gen Y crowds. They would rather spend their time on Facebook than fight the freeway traffic to see a buddy. They’d prefer to unleash their meager incomes on iPhones, Lululemon and Starbucks than on car parking, maintenance and insurance. In some parts of North America, auto insurance for 18-year-old males costs about the same as a year of community college tuition.