Usually, yes. Underwriters price heavily on experience, and certain milestones tend to open up better rates and more markets. Common ones are time in your make and model (often around 100 hours), total time thresholds like 300, 500, 750, and 1,000 hours, and about 250 hours of multi-engine time for twins. Adding an instrument rating, additional certificates, and staying current with recurrent training help too. The first year in a new aircraft is typically the most expensive.