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Gary,

Wow!  I didn't realize people were paying so much.  I assume (I know don't
assume) the biggest cost issue is flight time.  Avemco uses some combination
of complex, PIC, and time in type, etc to figure your "experience".  I had
about 3000 hr. total time (2200 PIC)  most in complex aircraft.  Flight time
however is not always a good indicator of experience (including insurance
rates of skill).  B-52 time vs Fighter time have a wide range of meaning
depending on who you're talking to.

My rate break down was:

$432  Bodily Injury @ 100,000/1,000,000/1,000,000
$1333 In Flight    @$70,000/$300/$300
with the following endorsements: TX0001, 102701, 120201, 103701, 127101
This was quoted at a $1000 deductible.  $500 (or thereabouts) of the
deductible is covered by the EAA.

I always ask Avemco what flight milestone will attain the next price break.
They now say I'm getting the lowest rate.  Their combination formula totals
in excess of 5000 (pts I guess) for my background.

Two other known discounts that I believe I'm getting are the 3 tech
counselor visits (10%) and the flight advisor program (10%).  These
obviously don't add up to our differences however.

As a reminder to others, the 10% discount for tech counselor visits is good
for the life of the airframe if I recall correctly.  For me this was an
additional future sale carrot albeit small.

Finally,  I am aware that rates were recently increased (about 14%).  I was
told that since they had already sent me my bill I'd be spared the
increase till next year.  Goody :)

Larry
N360LH

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