dont go by just what the agent says either. go by WHAT IT SAYS IN YOUR POLICY. you did read your policy right? i have progressive, and it clearly states an exclusion for any loss that occurs while driving on a race track or closed course. interestingly enough, when i first got the policy, the exclusion was only for organized racing events. i.e. track days were fine, racing was not. however when i renewed, they said that they were expanding the exclusion to any loss while on a track period.