What can I do to get the best value for my insurance dollar?

First, fly an aircraft that your experience level dictates. While it may be possible to begin your flying career in a high performance aircraft or make multi engine or turbine transitions at relatively low time, an insurer will make the terms and pricing far more challenging than if you follow a more conservative approach.

Second, train, train and train some more. Annual recurrent and simulator training help make you a better risk. Insurers will require this for many models as well.

Finally, do the extras that reflect that you are serious about safety. Attend seminars, obtain a Wings phase, get that extra rating. You will be safer.