"Hagerty scales its specialty auto insurance business by partnering with major insurance carriers rather than competing directly against them."

"The collector car market is expanding beyond high-end luxury, driven by younger buyers and older collectors shifting interest to 1990s and 2000s analog models."

"Hagerty's margin and revenue profile expanded significantly by transitioning from a pure agency to taking on actual underwriting risk."

"Hagerty leverages its vast proprietary database of collector car transactions and VIN decoders to optimize pricing and deepen customer engagement."

"A major generational shift is underway in the collector car market as younger buyers drive strong demand for 1980s-2000s vehicles, trucks, vintage SUVs, and high-margin manual-transmission supercars."