Just got my insurance bill for the Avid Flyer yesterday. I had Avemco last year, they came in about 1/3 less then Falcon. We had switched the Chief to Butler Brown, and they were about 1/3 less then Falcon as well. The policies come due about 6 months apart. The Chief has 22,000 hull insurance on it for $775, the Avid is just liability. Couple weeks ago, I got a quote from Butler Brown for the Avid, and they quoted me $735 for just liability. I was expecting a big increase when I opened the bill yesterday from Avemco, but it actually had gone down from $435 to $396. I made out the check pretty quick before they change their mind. It seems there is no rhyme or reason to what the going rates are. JImChuk