IronMedic-
Welcome to the site. I used to drive an Expedition, then a Wrangler and now my H3. All I can say is this car is much better than both of those. As far as your questions:
Insurance: Cheaper than both my Expedition & Wrangler
Gas: Better than my Expedition & Wrangler
Girls: Lots of looks, but with the girlfriend I have to leave it at that.
Given what is available on the market SUV wise, I think for the money you won't find a car nearly as capable or with half the attention getting look that the H3 has.
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NEW
2008 H3 - Boulder Grey - Adventure
OLD
2006 H3 - Slate Blue - Adventure
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