@Tommar98 - please read this carefully....your wife being insured on you plane (eg. Arrow) might not go up at all compared to just insuring you (unless an Arrow is complex)!
I did all my training in our 182. I was sweating how much our insurance would increase by adding me as a 0 time student. I went up exactly $0. Yep, not a penny. I asked my wife why since she is the big shot pilot and works in the insurance industry by day. Actually I think its kinda funny.
Sometime back, probably when aviation was in its heyday the men were flying and some of the wives were getting the PPL. Someone must have argued or presented the case (or an actuary got involved) and figured out that the wife would probably be flying with the husband and thus the insurance add should minimal or nil.
I figured it was too good to be true so she finished my sentence "....so I then called the insurance company and asked to talk to the underwriter and they confirmed it."
In our case my wife had all the time and I had none (I guess I am the pilot wife - LOL). But it did not raise our rates at all. Last month we tallied hours and I was at like 135hrs, all HP and nothing else. Our rates did not go up this time either now that I am a low time PPL.
Hell I don't even know the insurance company (even though my $$$ pays the bill). It thinks it under AOPA. I think we are right around $1100/yr for both of us and hull value of either $70K or $80K. Maybe it could be a lot less but she's been with whoever it is for years now so that customer loyalty thing.
