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Don't have any clue about the difference between insurance costs, but just to make sure there is no misunderstanding for newbie's, neither of these cars are "fast" by ANY stretch of the imagination. Porsche's own specifications list the 0-60 time's as less than 1 second between the two models. Buy a base and save some money or buy an S and spend some money, either way just enjoy the ride...they're great cars.
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