Bill - congratulations. I think you're making the right choice. I'd certainly get some opinions on that particular 911 you've looked at before actually plunking down the cash for it, but you're on the right track. The 911 has a soul and a magic that the wonderful 944 simply has in a different, more subtle flavor.
Remember - the 2.7 engine is known for a few mechanical quirks which may prove unrecommended for a first-time 911 owner. I'm on my first one and I chose the safety of the 84-89 Carrera with the DME computer and hydraulic tensioners - there's less to worry about in these motors. If you're into the idea of passionate maintenance (and you should be anyway!
) you might want to see about getting into an 84 or newer car.
On insurance: I insure through State Farm. I have no citations (!) and I'm 32. I was able to easily insure the auto for a decent sum; I have it listed as a recreational auto, not daily driven (although I do).
Good luck! Post some pictures of what you wind up with.
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Mark Szabo
1986 911 Targa 3.2