04 Jan Street Legal Race Car Insurance

What is the point of owning a high performance car if you never get the chance to really see what it will do?  Many owners never get this chance.  And many do…. Just not legally!  And if you are lucky enough to get your car on a real live race track, you know as soon as that front bumper crosses the line that you are not insured.

Auto coverage companies assess their risk for what their customers typically do with their cars, which is driving them as transportation on the highways and byways.  Their risk is limited to everyday driving….not for taking a much more elevated risk of high speeds on or even off the track.  Just by rolling your car onto a track you have voided your coverage until it rolls back off.  Personally, I can’t think of many things more frustrating than owning a Camaro, Mustang, Corvette, Audi, Porsche, BMW, Mercedes, Ferrari, Maserati, Bentley, Aston Martin, Bugatti or Lamborghini…….and not getting to feel and experience every single spec of data you’ve always read about!!  You would have to have a very serious lack of “needing to worry about money problem” to not be concerned about your car being insured when pushing it to the peak of its performance.  Wouldn’t it be nice, once and for all, to shush all of your friends as to how much “hypothetically” better their car is?

Well, there is actually a way to insure your car on the track.  Whether you just want to take it out and open’er up, or you and your club are out for a track day charity event…. You can insure your car while you’re racing it.  You can get an annual policy that you only pay for the days you have it on the track.  If it’s one day, you pay for one day.  If it’s 50, you pay for 50.  All you do is call us three or more business days before the event, make your payment for that day and you have coverage on the track.  Call me and we’ll go over more of the details.