I am in the process of planning out an airplane purchase and need some advise regarding what looks better for insurance companies and prepares me for as smooth of a transition as possible. I have narrowed my ideal plane for my mission down to 3-4 different makes/models. A couple are entry level retracts. I have no retract time. I have access to an Arrow but it costs about 50% more an hour than my current 172 rental. My question is this: Would it save me any money to go ahead and transition to the arrow in hopes the insurance would view that favorably when I do purchase? I am a low time pilot (150hrs) and will fly 30-50 hours over the next year before I purchase. Thanks for the guidance and let me know if I have left out any information.