Again, the #1 thing to check is if your insurance will cover "motorsports" under your current policy. Some will cover it, but only at a extra cost! Some won't at all...don't wait till after you need it...find out now!
Next check your deductible...as some say it can be $15 all the way up to $15K....depends on the plan! Generally you pay more up front for a lower deductible, and opposite on other; cheaper monthly insurance dues and a higher deductible.....just all a gamble!