The 95-98 LX and GL were real close in spec (maybe too close). Mostly the difference was in seat cloth, wheels, and standard features.
Easy way to tell is VIN Code:
1995-1998
P65 = GL
P66 = LX
1998.5-00
P65 = LX, no Sport package for these LX years, which were more stripped then the GL's were.
P66 = SE Story of the late model SE told 100 + times
Why would an insuranace co. charge more for the "Sport"? Any excuse to make more $$$$$!
Why did they downgrade the SE? They had the SVT, the SE was watered down on the Taurus and Escort for fall intro of the 1998 models, so the early intro'ed 98 Tours were changed to follow along.