"Dave Stadt" wrote
I don't believe the 182 is a rare circumstance. I have heard of far more
policies that have RTS or gone down than have gone up.

Mine went up - by one dollar a year. This is in a retract twin. On
the other hand, I'm seeing people paying THREE TIMES what I pay, for
the same coverage in the same airplane. I think the insurers are just
getting better at figuring out who the bad risks are.

Michael