For insurance cost repairs and parts, which is better , the Honda Fit , Subaru Legacy Wagon or Toyota Matrix?

Im looking for a fuel efficient vehicle to drive one hour into Montreal. I live in the rural area of Quebec known as Rawdon, which is a little mountainous, and the weather can change from slush to ice to rain for periods of time in the winter. Im a musician and cook that needs an economical hatchback to carry my equipment around. A used car salesman told me that the Honda Fit will be less safe to drive in the winter on Quebec roads than the Subaru Legacy wagon will be. Will it make that much difference ? Is there more chance of getting killed in the Honda Fit on dangerous roads ? Im not a fast driver anymore, and don't need any more speeding tickets. Some people might say that the Subaru is a superior car ( 2006 Legacy ) but I just spoke to a friend of mine who used to own a Subaru and she said she was paying a lot of money for parts when she needed to do repairs, and to stay away from them. Are Subaru parts much more expensive than Honda, and please tell me why the Subaru wagon is a better choice, if it is. The engine on the Subaru Legacy is almost double the size, I think 2.5 L as opposed to the Fit 1.5, although both are 4 cylinder., and both are selling for around $ 10,000. I havent looked enough into the Toyota Matrix. They seem to fall somewhere between the Honda Fit and he Subaru Legacy. I think the Fit would probably give the best gas mileage, the Matrix the next best and the Subaru the least. But again, which cost the most to repair ? Toyotas seem to have the highest reacall history out of the three of them. I live in the country and my life has not been functional without a vehicle the last few weeks since my Dodge Caravan died, so I need to make a decision as soon as possible.

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