Type S is pretty much a suited up version of the TL, more HP, luxy remains the same, also the rims are sporty and it has a body kit which looks pretty radI dont see how owning a TL Type S would be higher for insurance, its a 4 door sedan still, if it were 2 door i understand but even if and when you go to your insurance agent, just tell them you have a regular TL, unless the look at it but sometimes the bend the rules too.I got a mazdaspeed6 so once you get it lets race J.K.