Although the market does fluctuate from time to time, there are things you can do to help improve the rates you receive from your insurance: Pilot Hours: Each year when your insurance comes up for renewal, you will be asked to update your pilot hours. This includes total time, make and model time, your time in the last 12 months. If applicable, any retract, tailwheel, turbo or turbo-prop hours. Increasing your hours in your aircraft does pay off! When we update these hours and then ask for quotes, the companies will see an experienced and confident pilot. License: If you are a student pilot, generally speaking, your rates will be higher. Getting that license will help improve your rates and make you less of a risk to insure. Claims/Loss: If you have a claim or loss in the past five years, you will experience a hit to your premium. But don’t give up! After five years, your record will be clean and your rates will improve.