Ugh, I've had that experience too, often while riding a bicycle myself - for some odd reason, the sight of a man on a bike seems to bring out the dickhead in more than a few guys (most of whom I've discovered, just as you have, prefer to scream their abuse from the safety of a fast-moving motor vehicle - courage isn't a quality these lunkheads seem to possess in any great abundance...). I've also had random people (thankfully not too many) insult me, sometimes with homophobic epithets, when I've been dressed "normally". As jarring as incidents like that are, I always try to see the bright side of them by thinking, "Well, if I'm going to still cop crap dressing like everyone else, I've got nothing to lose by dressing like a girl!"