[Perfectlap]

pricing is all over the map (nothing new there) but I think that particular insurer's position has more to do with the their margin for error vs. that of a larger national carrier. The air-cooled cars have a significantly reduced supply making values much easier for their adjusters to predict during the term of the policy. Consider 996 pricing during the first year of the financial crisis, some cars were losing up to $20K a year in resale. The double-edged sword of popular and high margins. The Caymans/Boxsters faired better because they weren't starting so high to begin with. When there's a credit crunch, values of excessive inventory of out-of-warranty cars come down to "demand reality" lightning quick. But even with limited supply, very few Porsches in general have recouped their original sticker prices in the used car market. The insurers are dealing with either a guessing game or a bubble or both.

You will not have a problem insuring a S model 986 with desirable mileage with a GEICO, Progressive, etc. And you will get a very good rate if you meet the typical check boxes. Here in NJ we have one of the highest insurance rates in the country and I'm paying less than $100 a month for full coverage.