Okay guys, enough already.
First off, I know low cost insurance can be obtained since I've had to do it for another organization.
Second, creating a new club can also be done, if enough people are willing to join, do the work and a suitable location can be obtained.
Just because the AMA says their rates are better than anything you can get elsewhere means nothing. When you add all of the other costs the AMA is billing the members for such as the magazine, museum, flying site most never see, grounds keeping, etc, even spending a few dollars more for the insurance would still be cheaper than all of the other costs.