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Some insurance covers HPDEs as long as a timed competition isn't involved. USAA said they'd cover it and they also offer 25% off Goodyear tires, so those lucky enough to have USAA insurance get a big discount on track expenses.
Some clubs are relatively inexpensive too, BMW and Porsche clubs do autox and HPDEs as part of their promotional activity, so costs are subsidized by that and a lot of volunteers. You also get in-car and classroom instruction.
Also, for those hesitant, maybe try autox first. It'll teach you car control skills in an environment with less risk and is a ton of fun as well. Don't worry too much about other idiots on track. It can happen but seems like more of an issue on open lapping days than HPDEs with BMW, Porsche, NASA, etc.
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