On Friday, December 18, 2015 at 8:59:12 PM UTC-5, wrote:

I have decided to take what amounts to a 32% saving and go with the AOPA. ...if I go back to Costello they will raise my rates 25% more than what I WAS paying under the SSA program...

32% is huge. But is there anything that prevents a 40% premium increase in the second year? Is this a 'teaser rate'? Please report back to this thread in the coming years.

Theoretically speaking, SSA has leverage to negotiate future rate increases with the underwriter in coming years, because SSA can switch the SSA policy to a new underwriter if it is economic. So the premiums should be relatively stable for accident free customers.

I suppose that AOPA would have even more leverage with their underwriter but I understand that AOPA derives income in exchange for marketing the policy. Kinda like AAA makes money from insurance sales. Does SSA get a kickback for marketing the SSA policy?