On 7-Jul-2005, " wrote:

Having an instrument rating will certainly lower the insurance rate
(my insurance agent told me to expect at least 5% less).


The savings depends heavily on the type of airplane. When my Arrow partners
got their IRs a few years ago (I've had mine for many years) our premiums
dropped about 15%. For some types, like a Mirage or P-210, a non-IR pilot
may not be able to get coverage at any price. I'd guess the savings would
be much less for a relatively simple plane like a C-172

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-Elliott Drucker