insurance companies use whats called an ISO symbol to rate your car. wich means an outside companie does the ratings, and insurance companies pay them to use the ratings. the four things they look at are the liability rating, comprehensive rating, collision rating, and injury rating. liability rating = how much damage it will do to another car if it hits it, usually based on wieght/construction/size, this is the reason SUV's are high on insurance. Comp rating = how often the car is stolen, which is the reason honda's are so high. coll rating = how expensive is it to fix the car. injury rating = how safe is your car for the occupants.

in my experience, saturns are the cheapest. they dont do alot of damage to other cars, they are not stolen often, they are cheap to fix, and they do well in crash tests.