Top Collector Vehicles from the 1990s Through the 2010s

When most agents think of a collector car, they picture a 1965 Mustang or a pre-war roadster. But the largest, fastest-growing, and most under-penetrated segment of the enthusiast vehicle market are vehicles from 1990 to 2001.

Vehicles from the 1990s, 2000s, and 2010s are quietly becoming some of the most sought-after specialty vehicles on the market. Many are appreciating in value, driven seasonally, and are deeply personal to their owners. And right now, a significant number of them are sitting in your existing book on a standard auto policy, underinsured and unrecognized. 

Use this guide to scan your book before year-end and start the conversation. 

Why These Vehicles Need Specialty Insurance 

Standard auto insurance was built for everyday drivers. But these vehicles are different, and your clients may not even realize it. Here is why specialty coverage matters: 

• Their value holds or grows over time. Unlike a typical car that depreciates the moment it leaves the lot, many of these vehicles are worth more today than when they were new. A standard policy that pays depreciated value leaves your client significantly underinsured. 
• They are driven differently. These vehicles are often used occasionally or seasonally, not as daily commuters. Hagerty's coverage is built around how enthusiast vehicles are actually used. 
• There is an emotional attachment. These are not just cars. They are saved-up-for, carefully maintained, deeply personal vehicles. Your clients want a policy that treats them that way. 
• Hagerty's Guaranteed Value* coverage means your client is paid the full pre-agreed value with no depreciation in the event of a covered total loss. That is a conversation worth having. 

How to Spot Them in Your Book 

You do not need to be a car expert. Look for: 

• Clients with multiple vehicles, a daily driver plus something else 
• Vehicles with model years from the 1990s through the 2000s that appear low-mileage or seasonally used 
• Storage addresses or garages listed separately from a primary residence 
• Makes and models that appear on the list below 

Your client may not even know their vehicle qualifies. Ask one simple question: Do you have any vehicles you only drive on weekends or for special occasions? That question has opened some of the best Hagerty conversations agents have had. 

Top 10 Most Popular Vehicles Insured with Hagerty by Decade 

These are the makes and models most commonly insured with Hagerty from the 1990s through the 2010s. If you see any of these in your book on a standard auto policy, that is your opening. 

Note: There is natural overlap between decades. The Ford Mustang, Chevrolet Corvette, and Porsche 911 appear consistently across all three. These are perennial Hagerty vehicles worth looking for in any client's garage. 

What to Do When You Find One 

Start the conversation and do not pitch it. Try: 

1. I noticed you have a [Year/Make/Model] on your policy. Is that something you drive regularly, or more of a weekend car? 
2. Did you know Hagerty has a program specifically built for vehicles like that? It works very differently from a standard auto policy. 

From there, the conversation leads itself. And if your client has more than one enthusiast vehicle or owns a home with other high-value assets, this is also a natural entry point into a broader Hagerty household conversation.