What rating system does the Insurance Institute using in rating a car? If it's repair cost, I can understand the low rating. Multiple airbags, and crumple zones will drive up the repair cost, but may be an inverse proportion to safety. As long as the "cage" stays intact, I don't care what happens to the rest. My only concern now is that my insurance company will now increase my rates given this information.

The results are also not surprising given the size/weight of the S40, and the size/weight of an average SUV. I'd like to see how the larger models faired in the test.