"Doug" wrote in message
m...
It is hard to compare insurance premiums. For instance, what is HIS
liability limits compared to yours. You don't know, they could be
high. What is your deductible? (Mine aircraft is $10k). I just won
the hail lottery (house insurance) on my roof, and was comparing
insurance rates with neighbors. I have a high deductible and higher
liability (insure for what you can't afford to loose). Next door
neighbor has lower permiums, but minimum deductible and LOW liability.
She thinks she's getting a better deal just because "her premiums are
lower".

Anyway, cursory insurance comparisons aren't very accurate unless the
policies have identical terms and they almost never do.

Yes, Liability coverage plays a big part. Insurance on my C182 is well above
2K for clean record/IFR/1000hrs. I could get it around $700 for same hull
coverage with minimum liability. Personally I would like to be able to buy
more liability insurance but max seems to be about 2m smooth. Insurers must
know something.

Howard


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