April 2000 Issue
Keep Me Covered
An instrument rating usually saves you money on insurance premiums but not always and probably not as much as you think.
The concept of learning to fly instruments is more appealing than the reality. Earning an IFR rating is hard work and, ultimately, tedious.
But forget concepts. Letís talk money.
Everyone knows that having an instrument rating lowers your insurance premium. Weíll put some numbers on that in a moment but consider something else.
If you want to buy kinds of high-performance airplanes or high limits on something more modest, itís getting to the point where some insurance companies wonít even look at you unless your certificate is stamped: Instrument Airplane. So whatís it cost to earn an instrument rating these days? It varies according to how much experience youíve go...
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