The actual premium was $1885 (I just rounded it up) The PA24-250
is a high performance retract which will generally cost more than
a fixed gear airplane. When I bought it I had 50 hours retract
time and 0 hours in type. I now have 50 hours in the plane and
a multi-engine rating added since then too so I'm hoping it may
go down a bit.

Hmmm.

Our Pathfinder is a high performance (albeit stiff-legged) aircraft, with
the same (albeit low-compression) engine as your Comanche, and the same
constant speed prop. The only real difference is the retractable gear.

And I'm insuring TWO pilots, for less than you're paying for one. Both of
us are VFR only. I've got around 900 hours, Mary has around 450 hours. When
we bought the plane, neither of us had the high performance endorsement, nor
any time in type. (They didn't count our zillion hours of Warrior time --
the birds are too different, in their words. We had to fly off 5 or 10?
hours with a CFI to become insurable.)

Either you are way over-insured (if that's possible nowadays), or methinks
you need to get another insurance agent to run some quotes for you.
Somebody appears to be funding their 401K on your nickel.
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"