No, actually an insurance company's biggest worry is injury and death to an occupant, not the vehicle. The tests only looked at car damage as it related to insult to the driver (in this case an average female driver and a person riding in the back seat behind the driver, using crash test dummies, of course

The S40 was in a 'comparison' test with other similar models, although you certainly might argue that there were others in the group that should be classified as a larger car. The important point, however, is that the rating is criteron based not norm referenced. in other words they're ratings hve nothing to do with the relative differences between the cars tested. They are grouped by level of safety. results. Recall that I said the Saab 9.2, not a particularly large car, came out on top of the heap, so to speak.

The very point of the testing was to see how these 'mid-sized sedans would fair against a larger SUV that is likely to hit the side at a higher point than a normal car.
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John Shatzer, '97 V90 @ 105K