Originally Posted by Dick Monahan:
Unless things have changed since I was buying insurance, that is not how it works. The insurance companies charge a flat price for the show for the competitor insurance (essentially accident/death insurance for people who sign in at the back gate), and a second flat price for the general liability insurance (spectators and anyone else). A race that includes open-wheel cars costs more than one that doesn't, but I was surprised to find out that non-wing shows didn't cost more than winged shows. This info might be out of date, so there must be someone on here who knows the current situation.
When promoting a race last year at Camden Raceway for a micro sprint, that's how it was for us. But there is another track in the area that does it the way you describe where you pay for a certain number of races, and it covers up to a certain number of cars, and you pay a flat rate. You can still do it the way you describe, but in the cases that I've been involved with that's how it was explained to me by the track owner.