[ddeflyer]

Originally Posted by ayau

I wish I knew about the price of each event sooner. I was surprised that for a price of BRZ, it's only about $140 to insure per event. That's a small price to pay given that the car will cost 25-30k to replace. I was also surprised that a cheap car to insure e.g., 10k, will still cost about $130 per event. No point buying a cheap beater to take the track and sacrifice modern safety equipment, IMO.

If you are concerned about the risk of tracking your car and you do at least ten EVENTs (not days but separate events) then I would check out the bulk purchase options that Lockton offers. I think they cut the price per event way down with that. When you think about I think it makes sense. From what I have seen on the track, I would imagine that there are three kinds of people who really drive the rates. The first of course is the person who has never been on track and messes up (I would think this wouldn't be the highest risk category but I've seen a couple of people in it munge up their cars). The second would be people like me who are picking up substantial speed every event as we improve our skills but we don't yet have the full repertoire error handling modes and reactions to use them (not to mention we don't have the full set of situational awareness skills that an advanced driver would have such as "weird, I was able to take that corner way faster this morning when it was cooler... oh yeah, hot pavement reduces traction" and "gee, I wish I hadn't taken that point by right before the corner" (I saw this the first event I was at buttonwillow when a guiy took a pass right before sunset and ended up with his civic in the k-wall on the front straight)). Finally you probably have the single highest risk driver which would be the new person who brings their supped up quad turbo supercharged blah blah blah mo powaaaaaa fifteen year old mustang with stock brakes and original brake fluid who then proceeds to hammer the throttle (I haven't seen this one yet so I guess that is a good thing for tech inspections!).