Good thread and worth another 2 cents. First, although the power of a Cobra can get you into trouble if you don't know how to use it, these cars can also get you out of trouble if you are skilled and have the driving knowledge. From an accident AVOIDANCE standpoint, I would much rather be driving my Cobra or Lotus when some moron pulls out in front of me on Highway 41
than to be hauling down a Lincoln Navigator. These cars will do amazing things if you're a truly, skilled, competent driver and ask them in the right way.
Second, give me a policy that looks like this. $1,000 to $1,500 per year with no mileage limits on driving. These are high performance cars and I expect a higher annual premium than I'm paying now ($390 AARP / Hartford). (Not complaining understand.) Give me a $250 annual credit on that premium if I attend a REAL safe/defensive driver school at Barber or Bondurant. Cover me 100% for theft, fire, vandalism, uninsured drivers, and any accident at which I'm not at fault. Give me a $2,500 deduct. and a MAXIMUM $25,000 coverage (payout) on any accident that is my fault (deer, wolverines, guard rails, babes with amazing boobs at the naked car wash, etc.) Let the insurer pay
no more than 50% of the costs of repair for anything that is my fault. No coverage for competition or track events, PERIOD. Forgive any (nuisance) ticket(s) that is (are) 10mph or less over the speed limit. These things are usually the result of speed traps and have no bearing on anything other than lining the Sheriff's pocket (and currently the insurance company's pocket also). Increase rate accordingly for infractions greater than that. I'll buy that policy any day. Right now. Sign me up. Where do I send the check?
With the club and organization events available to us, we all have the a ability to enjoy mucho track time and to get the need for speed out of our system in the proper environment. These cars are great fun and meant (and deserve) to be driven hard and enthusiastically at the right time and place. Learn to drive them and learn their limits and their ABILITIES. High performance means just that but it works both ways. Respect their power but also learn how to throw them around a bit and avoid the idiots (and deer). You wreck it...its your fault...you pay. We're all big boys (and girls) here. That's why we own these cars in the first place. You wreck it, you will be more careful next time if its your wallet that gets dinged!
Have Barber / Bondurant put together an accident avoidance / high performance driving program sponsored through the Cobra clubs and held at local tracks. One day of high performance school with your own car and then let it roll into some optional track time. Sounds like a great opportunity to get together with other owners, have a BBQ,
and learn something about your cars and driving at the same time.
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