No, I'm NOT blaming the insurance companies for the miserable theft and collision data. The theft data is because the car is so desireable - and cheap enough to be left outside by many owners. The collision rate is due to bad driving. As a pilot I had to get additional training for high performance planes - car licenses ought to also be limited to vehicles one is qualified to drive.
Luckily State Farm, who I use, rates the wagon and sedan differently. The loss rates for the wagon are much lower. Smaller insurance companies use IIHS data.