4 Drivers Limit number of drivers on your vehicle and you’ll get a better deal on your insurance.

5 Age, sex and occupation These can all have an effect on your premiums, as can part-time jobs.

6 Modifications and security A modified car will attract higher premiums.

Check security levels on your car: immobilisers, a steering lock, and a detachable stereo could help reduce your premiums.

7 Shop Around Don’t automatically accept your current insurers’ quote at renewal time – shop around. Use our directory of car insurance providers to find best deal for you.

Notable is a Supplemental Restraint Systems (SRS) that features variable-force front airbags. The front seat-mounted side airbags have been redesigned to provide a greater coverage area, and body structure has been strengthened to meet latest side impact standards, which take into account higher-riding vehicles such as SUVs. Front and rear side curtain airbags provide protection in certain types of severe side impacts. The LS430 also features knee airbags for driver and front passenger, four-channel, four-sensor anti-lock brake system (ABS) and Vehicle Stability Control (VSC) that helps control side skids.

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