For low time pilots wanting to own their own aircraft, it’s a given that insurance will cost more the less time they have logged, and as they build time the insurance rates decrease. However, I believe I read that there’s a threshold where insurance won’t decrease no matter how much time is logged (a pilot with 500 hours and a pilot with 5,000 hours might have the same premium, assuming that was the threshold. I currently have around 340 hours, with 190 x/c hours and 35 night hours. Could I stand to log some more time, or is this about the best it gets? I’m still at least several years away from ownership, so I’m wondering how much I should try to fly the rental between now and then. I realize tailwheel or complex aircraft would be expensive to insure with no time logged in those.