Hate to say it, but this is an area where Hagerty does not have a true perspective on what they are trying to analyze, so your conclusions are way off. Hagerty’s policies specifically exclude certain age groups as well as certain vehicle usage, thus you know very little about those demographics. Two of my now young adult children have collector vehicles as their only vehicles, thus their daily drivers. They’ve had them since we restored them together when they were teens. They are now out on their own as adults and still passionate about collector vehicles. However, they are still too young for Hagerty’s policies and Hagerty wouldn’t cover their vehicles anyway since they are daily drivers clocking over 10,000 miles a year. I have a collector car insured with Hagerty that sits in the garage most of the time because of policy restrictions. I also have another collector vehicle that I daily drive, probably average 10,000 miles per year, not insured with Hagerty because they don’t cover daily drivers.
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