Just to give you a data point...

I guess I fall into the low time pilot category at about 250 hours TT. My
insurance bill was about $90 lower this year possibly as a result of
attaining the instrument rating. Of course, this may be a break due to TT
rather than an IA, except that I don't think you get a break because of TT
until at least 300 hours. Oh, and I fly a PA28-140, not exactly a hotrod.

Still, I didn't get the IA for the insurance. I did it to increase the
usability of my plane. Here in NJ we get a lot of hazy summers and the
occasional scuddy days in fall/spring (ceiling around 2k).

mark

"Michael" wrote in message
om...
"Dennis O'Connor" wrote in
This discussion has had it's silly moments... I will simply note that
adding
the instrument rating will result in a decrease in your insurance
premium...

That's not generally true at all. It's ONLY true for low time pilots
and for fast cruisers. When I owned a TriPacer I asked my broker
about what kind of discount I could expect if I got an instrument
rating, and he just laughed. Of course with my Twin Comanche it's a
very different story. You only get that discount if you own something
fast - say Mooney/Bonanza/Comanche/Viking and up.

I will let the rocket scientists in this discussion ponder the
implications
of that...

Fine. The implication is that unless you own have an airplane too
fast to scud run, an instrument rating doesn't do anything to make you
any safer. I'm pretty comfortable with that.

Michael