Fool looks like Brian Denehey!!
The commercial is up to your interpretation indeed. To me its saying that when a woman is behind the wheel, she’s frightened and frantic “Oh the lights, the signs, what do I do? Traffic? My god I’m shitting myself! Oh thank goodness I have Goodyear tires to balance my irrational behavior that comes from having a vagina, maybe that’s why my insurance rates are lower than men’?”