The answer is yes and no.  First, you want to look at how an insurance company rates a car. They will base their rating on how safe the car is, as opposed to how nice it looks or how smooth it drives.  Bear that in mind.  But what you also have to understand and consider is that the safety of your car is largely dependent on your driving, and, unfortunately, the driving of other people on the road.  So always beware of driving techniques of everyone around you.  Drive cautiously.  Understand that no matter how well you drive, you cannot control driving habits of other drivers on the road.  And focus on safety; when purchasing a car and when driving yourself.  Good luck and stay safe!