Insurance at the track?
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This is a discussion on Insurance at the track? within the Motorsports Talk forums, part of the Community - Meet other Enthusiasts category; Hey guys! I've been trying to get into the racing scene and my parents won't let me unless I get ...

  1. #1
    Registered User Lbleiweiss's Avatar
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    Insurance at the track?

    Hey guys! I've been trying to get into the racing scene and my parents won't let me unless I get race insurance so I'm covered on the track, but nobody offers both damage and liability insurance. What do you guys do? And if you do use insurance what company do you use?

    Thanks for the help and no "you gotta pay to play" please!
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    Sammich Makin' Pwincess wrxtreme06's Avatar
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    He simply abides. SD_GR's Avatar
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    Why no "you gotta pay...?" It's true, if that matters.

    Never, ever drive your own road car on a track, especially "if you have to ask" as they say.

    Most tracks have to support themselves with mini-schools and sublets to driving instruction businesses etc. Look into arrive-and-drive options at your favourite track; each of these will have its own insurance package for you to consider.
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    Registered User Lbleiweiss's Avatar
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    Thanks dez!

    Well because my parents won't let me on a track without my car being covered and I would love to learn the racing basics in my car. Any good suggestions on a good intro to racing course that supplies the car? I know of a few out there like skip barber but its ~$1000 I'm looking for something for about $3-400.
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    Resident meany-rator 06wrx4me's Avatar
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    Quote Originally Posted by Lbleiweiss View Post
    Thanks dez!

    Well because my parents won't let me on a track without my car being covered and I would love to learn the racing basics in my car. Any good suggestions on a good intro to racing course that supplies the car? I know of a few out there like skip barber but its ~$1000 I'm looking for something for about $3-400.
    I suggest you take a racing school where they supply the car first. Almost every track seems to run them, you show up go through their school learn the fundamentals etc. If you learn the proper techniques, it doesn't matter what kinda car you are in the teachings will apply. All the ones that I have found are ~ $1000 minimum. I suggest you just save. I have done the RPDE Richard Petty Driving experience and while fun, left me wanting to do more racing schools.

    Wise mantra:
    If you can't afford to replace your car and write it off, don't take it to the track.

    That being said if your parents share the same mantra which is the reasoning for the needed and mentioned insurance, then buy an extra cheap fwd car that you can afford not to "have to fix" , tow it/drive it to the track and run it. Civics are cheap and fun but there is a whole mess of car's around the $1500-$3000 range that would be a blast.
    Last edited by 06wrx4me; 09-12-2008 at 11:44 AM.
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    Registered User Lbleiweiss's Avatar
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    I found that Skip Barber offers a "half day" racing school for 599 but the full day is 999 so I might just save up..

    Why would I want fwd as opposed to rwd? cheaper? so I get more car for my buck?
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    Registered User Jebus's Avatar
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    Find a beat up 240 with an sr20 and take that to the track.

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    Resident meany-rator 06wrx4me's Avatar
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    Quote Originally Posted by Lbleiweiss View Post

    Why would I want fwd as opposed to rwd? cheaper? so I get more car for my buck?
    You get more buck for your car, and most instructors will tell you its easier to learn the fundamentals with FWD as they tend to be more forgiving.
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    He simply abides. SD_GR's Avatar
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    One thing to keep in mind though when buying a beater: Any beater you buy should be able to steer and stop on its own, and shouldn't have any juice coming out of it because tracks don't like fluids on their tarmac.
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    Registered User rollinstylee's Avatar
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    I'm a newb here but thought I'd throw in my .02 as I'm also considering doing some driver training and HPDEs with a personal car and wondering about insurance. I would agree with the cheap FWD advice as a first track toy. Might I suggest an SVT Contour? (I miiiiight be slightly biased. ) They have a nice flexible 2.5 V6 that responds well to very simple and inexpensive mods while still getting excellent mileage, they handle fantastically even in stock form, pretty luxurious if you also need to use it as a commuter, and they can be had in good condition in the $3000 range. I just bought a WRX wagon for a DD so I could turn my SVTC into a less compromised toy. Whatever you decide, have fun and let me know if I piqued your interest and you have any q's about them.
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    Registered User chazly413's Avatar
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    why not go to an autocross??
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    Registered User virpacalis's Avatar
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    Karting is another cool way to start racing on a budget while protecting your daily driver.
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    Registered User Lbleiweiss's Avatar
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    Quote Originally Posted by chazly413 View Post
    why not go to an autocross??
    the SCCA only offers liability right?

    Quote Originally Posted by virpacalis View Post
    Karting is another cool way to start racing on a budget while protecting your daily driver.
    I saw that but I just figured they were like go-karts? Any idea how much a day of that would cost?

    Quote Originally Posted by SD_GR View Post
    One thing to keep in mind though when buying a beater: Any beater you buy should be able to steer and stop on its own, and shouldn't have any juice coming out of it because tracks don't like fluids on their tarmac.
    No leaks. Got it thanks!

    Quote Originally Posted by Jebus View Post
    Find a beat up 240 with an sr20 and take that to the track.
    That would be a great idea.. how much do those usually cost?

    Also I was thinking about buying the older version of the ps3 that also plays ps2 games so I can just play the gran turismos
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    Registered User yosemitemtb's Avatar
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    Check this out, it might be what you are looking for.

    MotorsportReg.com and Lockton Affinity Launch Innovative Track Insurance Program
    Last edited by yosemitemtb; 09-22-2008 at 08:42 AM.
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  16. #15
    Registered User Lbleiweiss's Avatar
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    Yea I've been looking into that for a while, it looks like they only offer collision insurance my parents are making me have liability insurance too.. I'm thinking I could just get an older rx-7 like gen1 for a grand or 2! any thoughts or ideas on that?
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