[WarrenG]

At the SB driving classes they teach their students to control their cars on skid pads and small autocross courses where the speeds are below most legal highway speeds in both dry and wet conditions. Car control is paramount. You actually lose points if you have to resort to recovery. The high performance driving classes do end up eventually on the "big" track but I believe it is a small portion of the class.

Their racing classes take place on the actual track and do end up as fairly high speed events, however again even in these classes car control is emphasized and they begin on the autocross course where the top speed is probably 35-45 mph. They also make the drivers financially responsible for any damage they cause now.

I can see where a racing cert might actually scare away an insurance company but I would think that a driving/car control class might be a plus.