Identifying special vehicles and building your business

When it comes to special vehicles, Hagerty has your clients covered. Knowing what counts as a special vehicle? That’s up to you. Don’t worry, it’s easier than you might think. Read on to learn about the broad range of vehicles Hagerty will cover and how to spot them—out in the world as prospects or even in your current book of business. 

What we mean by “special vehicle”

Sometimes it’s easy to identify a collector car: Imagine a perfectly preserved 1966 Mustang convertible or a breathtaking beauty—a Ferrari or Jaguar, for example. Other times, collector cars might be hiding in plain sight. Think about a 1984 Jeep CJ-7 or a drab green ’77 Dodge M886, a ’90 Nissan 300ZX or a ’59 KenCraft camper. That’s right; each of those examples could qualify for coverage through Hagerty. 

That’s because policies through Hagerty can cover vehicles from any year, make, or model. In fact, when we’re talking about special vehicles, those types of details matter less than how it’s used and if it’s maintaining or appreciating in value. At Hagerty, we’re in the business of protecting the cars people love.

We do new too

Another category of cars that people sometimes overlook are newer models. Let’s start with cars from the '90s. Did you know that the entire 1990s decade is now more than 25 years in the rearview? That means that every fun-to-drive car from the '90s is officially a classic. We’re talking convertibles, two-door sports cars, and cars with manual transmissions.

Keep an eye out for some of our most frequently insured ’90s vehicles: Corvettes, Mustangs, 911s, Camaros, Miatas, Wranglers, and more.

Beyond cars

Cars are just the beginning. Hagerty also provides protection for collector military vehicles, antique tractors and retired commercial vehicles. And don’t forget about supercars, boats and trucks and SUVs, too. As we like to say, the garage is the entry into the rest of the home. If you provide excellent service for a client’s collector car, chances are they have other fun stuff to insure too. 

Top tips for spotting collector vehicles

Spotting collector cars is easier than you think. Believe it or not, a good place to start is right in your own book of business. Listen for these clues that a client might already have an enthusiast car that’s in need of upgraded specialty coverage. 

• If clients have more vehicles than household drivers, at least one is probably a collectible.
• When clients say they only drive one of their cars in summer and on nice days or for shows and parades, that’s a clear indicator they’ve got a special vehicle. 
• If you’ve heard clients call their car “baby” or have a name for it, it’s worth asking more about the vehicle—if they love it that much, it's likely a collector. 

Now that you know what you’re looking for, you can get out there and find some collector cars, “fun” cars, cars people love, enthusiast vehicles, special vehicles—whatever you call them, you can give them better coverage at a better price with a policy through Hagerty. 

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