Hello Vlad, Thank you for the welcome, I'm sure that the information on LOC will be interesting. As regards car insurance, I thought that perhaps LOC might have negotiated special terms with certain insurers. I settled on buying the Lexus SUV as it met all my needs - reliability, great build quality, hybrid for economy and reduced pollution, keen handling, refined ride and is in the luxury class! I did consider the Honda CR-V and Toyota RAV4 but the Lexus is far superior.