As to the insurance portion of your question, I don't think it will lower your rates. I just got rid of a 2010 fusion off my policy and added a 2020 Toyota Corolla Hybrid. The Corolla came standard will all the safety features you're taking about: Lane assist, adaptive cruise, collision warning, auto high beams, etc, and my policy didn't really change. However, I'm with USAA which is extremely competitive to begin with. YMMV
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