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Newer Vehicles: Limited Production, Exotic, & Special Interest

Some cars are immediate classics, attracting a loyal following. Rare or “limited production” vehicles, model years 1990 or newer, such as Ferraris, Lamborghinis, Dodge Vipers and Plymouth Prowlers, etc. are just a few examples. Depending on their use, these contemporary collectibles could qualify for our program.


The degree to which a vehicle has been modified determines both its acceptability for our program and the rate at which it will be quoted. We consider a vehicle to be modified when the performance has been significantly increased, the body/chassis/frame has been structurally altered or a custom paint job is valued above $10,000.


A replica car is a reproduction of an automaker’s manufactured vehicle. They can either be professionally assembled or home-built and because of this they will vary greatly in their level of quality. Hagerty does not offer insurance on inexpensive, home-built kit cars. Replica cars should duplicate vehicles that are no longer in production. Some examples are the 1950’s Porsche Speedster and 1920’s Mercedes Benz Roadster.


Lowriders are vehicles that have typically been modified with hydraulic or air bag suspension systems which enable them to be lowered within a fraction of an inch off the ground or possibly “bounced” so that the front end of the car comes completely off the ground. They are also typically customized to include elaborate “gold flake” paint jobs, intricate air brushed murals, wire wheels, custom rims, plush interiors, and expensive stereo systems. Usage of these vehicles will be examined carefully when determining program eligibility.


Tuners are generally Japanese, Asian or European manufactured vehicles that are highly customized for looks and/or performance. These vehicles are usually 1990 and newer. Typical modifications include tuned engines, body kits, carbon fiber, custom paint, wheel and interiors featuring elaborate stereo equipment, TVs, video game systems, etc. These vehicles are underwritten carefully because they are generally fast and are susceptible to theft or vandalism. Some examples are the Honda Civic, Mazda RX-7, Mitsubishi Lancer (Evo), Scion and Subaru Impreza (WRX).