{"version":"1.0.0","episode":{"title":"Behind the Numbers – How Product and Underwriting Power Hagerty’s Advantage ","url":"http://getcarcurious.com/episodes/behind-the-numbers-how-product-and-underwriting-power-hagerty-s-advantage","audioUrl":"https://traffic.megaphone.fm/HGM4982188512.mp3","description":"Our guests from Hagerty, Sabrina Wheaton (Senior Director of Underwriting & Operations) and Kennen Choiniere (Director of U.S. Auto Product Management), pull back the curtain on how Hagerty delivers stability, flexibility and top-tier service to agents and their clients. \n\n \n\nYou’ll hear how product filings really work, why pricing varies state to state, and what makes Hagerty’s endorsements and underwriting approach stand out. Plus, they share real stories of going the extra mile for both agents and collectors. \n\n \n\nHere’s what we’ll cover in this episode: \n\n(04:22) Inside Hagerty’s risk-based pricing strategy \n\n(09:03) After-hours service that stands out \n\n(10:26) Boosting efficiency with straight-through processing \n\n(13:55) The wedding day car surprise \n\n(18:54) How agent feedback drives improvement \n\n(21:18) What insurance scoring really means \n\n(23:45) Breaking down risk-based insurance pricing \n\n(28:57) Supporting automotive enthusiasts together \n\n(29:58) Keeping pricing consistent for better risk management \n\n(35:44) Fine-tuning policies and endorsements \n\n(38:14) Smarter coverage and retention strategies \n\n(42:23) Passion that fuels the specialty vehicle space \n\n(44:54) Our favourite classic Toyota and Nissan picks \n\n(46:56) Accelerator wrap-up: grow faster, grow smarter \n\n \n\nLinks mentioned in this episode: \n\nSabrina Wheaton on LinkedIn \n\nKennen Choiniere on LinkedIn \n\nAdditional coverage through Hagerty \n\nHagerty – 4 Questions \n\n \n\nSend your questions and feedback to Bryant and John at theacceleratorpodcast@hagerty.com  "},"annotations":[{"startTime":343.1,"endTime":345.6,"type":"concept","title":"modern classics","url":"/glossary/modern-classics","quote":"You're seeing more modern classics, right? We're seeing more 2000s and newer vehicles come in.","canonicalId":"concept:modern-classics","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Modern classics refer to vehicles that are considered collectible and desirable, typically from the late 20th century to early 21st century. These cars often blend classic styling with modern technology and conveniences, making them appealing to enthusiasts and collectors alike.","simplifiedExplanation":"Modern classics are cars that are older but still popular and valuable today. They usually come from the late 1990s to early 2000s and have features that make them easier to drive and enjoy."}},{"startTime":359.8,"endTime":361.8,"type":"term","title":"collectible vehicles","url":"/glossary/collectible-vehicles","quote":"You're starting to see collectible vehicles come through that are just have more modern conveniences, right?","canonicalId":"term:collectible-vehicles","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Collectible vehicles are cars that are sought after by enthusiasts and collectors due to their rarity, historical significance, or unique features. These vehicles often appreciate in value over time, making them attractive investments.","simplifiedExplanation":"Collectible vehicles are cars that people really want to own because they are rare or special. These cars can become more valuable as time goes on, so many people buy them as investments."}},{"startTime":370.2,"endTime":373.8,"type":"term","title":"pre-80s classic vehicle","url":"/glossary/pre-80s-classic-vehicle","quote":"I know we've all had an opportunity at working at Hagerty to get behind the wheel of what we'll call a pre-80s classic vehicle.","canonicalId":"term:pre-80s-classic-vehicle","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Pre-80s classic vehicles refer to cars manufactured before the 1980s that are often valued for their historical significance, design, and driving experience. These vehicles are typically considered classics and are sought after by collectors.","simplifiedExplanation":"Pre-80s classic vehicles are cars made before the 1980s that people love to collect. They are appreciated for their unique styles and the way they drive compared to modern cars."}},{"startTime":822.52,"endTime":827.72,"type":"car","title":"Chevrolet Corvette","url":"/cars/chevrolet/corvette","image":"https://upload.wikimedia.org/wikipedia/commons/7/7f/Chevrolet_Corvette%2C_BAS_24%2C_Brussels_%28P1170387-RR%29.jpg","quote":"...his daughter was getting married and he had been restoring the 73 Corvette forever for years. But his dream was that this would be kind of the getaway car.","canonicalId":"car:chevrolet:corvette","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The 1973 Chevrolet Corvette is part of the C3 generation of Corvettes, known for its distinctive styling and performance. It features a fiberglass body and was available with various engine options, making it a popular choice among car enthusiasts.","simplifiedExplanation":"The 1973 Chevrolet Corvette is a classic sports car known for its sleek design and powerful engine. It's often seen as a symbol of American muscle cars and is popular among collectors.","imageAttribution":"Matti Blume (CC BY-SA)"}},{"startTime":1053.8,"endTime":1055.9,"type":"concept","title":"Hagerty valuation tool","url":"/glossary/hagerty-valuation-tool","quote":"...We use the Hagerty valuation tool in-house every single day in our underwriting process.","canonicalId":"concept:hagerty-valuation-tool","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Hagerty valuation tool is a resource used to assess the market value of classic and collectible cars. It provides insights based on sales data, trends, and market conditions, helping owners understand the worth of their vehicles.","simplifiedExplanation":"The Hagerty valuation tool helps people figure out how much their classic cars are worth. It uses information from car sales to give a good estimate of a car's value."}},{"startTime":1257.8,"endTime":1261.3,"type":"car","title":"Porsche 911","url":"/cars/porsche/911","image":"https://upload.wikimedia.org/wikipedia/commons/c/c6/2013_Porsche_911_Carrera_4S_%28991%29_%289626546987%29.jpg","quote":"they'll quote 45 year old with a portion on 11 and then his neighbor will call","canonicalId":"car:porsche:911","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Porsche 911 is a high-performance sports car that has been in production since 1964. Known for its distinctive design and rear-engine layout, it has become an iconic model in the automotive world.","simplifiedExplanation":"The Porsche 911 is a famous sports car that's been around for a long time. It's known for being fast and having a unique shape that many people recognize.","imageAttribution":"David Villarreal Fernández (CC BY-SA 2.0)"}},{"startTime":2172.2,"endTime":2174.4,"type":"concept","title":"motorsports","url":"/glossary/motorsports","quote":"...but our motor sports advantage endorsements...","canonicalId":"concept:motorsports","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Motorsports encompass a variety of competitive events involving motorized vehicles, including racing, rallying, and track days. These events often require specialized vehicles and equipment to enhance performance and safety.","simplifiedExplanation":"Motorsports are competitions where people race cars or other vehicles. It can be on tracks or in different types of races, and it often needs special cars and safety gear."}},{"startTime":2187.2,"endTime":2190.32,"type":"term","title":"safety equipment","url":"/glossary/safety-equipment","quote":"...specialized safety equipment...","canonicalId":"term:safety-equipment","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Safety equipment refers to gear and devices used to protect drivers and passengers during motorsport activities. This can include helmets, fire suits, roll cages, and harnesses, which are essential for ensuring safety on the track.","simplifiedExplanation":"Safety equipment is the gear that keeps drivers safe when they're racing or driving fast. It includes things like helmets and special suits that protect you in case of an accident."}},{"startTime":2357.1,"endTime":2359.7,"type":"car","title":"Trans Am","url":"/cars/pontiac/trans-am","image":"https://upload.wikimedia.org/wikipedia/commons/8/86/Pontiac_Firebird_Trans_Am_Bahrain.jpg","quote":"...My trans am, I have the chair of salvage endorsement and I've seen that save people a lot of money...","canonicalId":"car:pontiac:trans-am","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Pontiac Trans Am is a performance-oriented version of the Pontiac Firebird, known for its sporty design and powerful engine options. It gained popularity in the 1970s and 1980s, especially for its appearances in movies and pop culture.","simplifiedExplanation":"The Trans Am is a type of car made by Pontiac that is known for being fast and sporty. It's part of a family of cars called the Firebird, and it became famous for its cool looks and powerful engines.","imageAttribution":"Mohammed Hamad (CC BY-SA 4.0)"}},{"startTime":2364.16,"endTime":2365.8,"type":"term","title":"total loss","url":"/glossary/total-loss","quote":"who keeps their car after a total loss? I mean, I can tell you from my claims experience...","canonicalId":"term:total-loss","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A total loss refers to a situation where the cost to repair a vehicle exceeds its actual cash value, often leading insurance companies to declare it a total loss. In such cases, the vehicle is usually not worth repairing due to the extensive damage.","simplifiedExplanation":"A total loss means that the damage to the car is so bad that it would cost more to fix it than the car is worth. Insurance companies often decide this when they look at the damage and the car's value."}},{"startTime":2408.1,"endTime":2411.1,"type":"term","title":"daily driver","url":"/glossary/daily-driver","quote":"My SUV, my daily driver, I love it. Direct tomorrow, I go right to the dealership...","canonicalId":"term:daily-driver","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A daily driver refers to a vehicle that is used regularly for everyday transportation. It's typically reliable and practical, designed for commuting and general use rather than for performance or show.","simplifiedExplanation":"A daily driver is the car you use every day to go to work or run errands. It's usually a practical choice that you can count on."}},{"startTime":2425.6,"endTime":2429.5,"type":"concept","title":"restoration","url":"/glossary/restoration","quote":"They may be able to be replaced, but I think the option to keep it, to restore it, to get it back on the road...","canonicalId":"concept:restoration","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Restoration is the process of returning a vehicle to its original condition or improving its functionality. This can involve repairing or replacing parts, repainting, and addressing any mechanical issues to enhance the car's performance and appearance.","simplifiedExplanation":"Restoration means fixing up an old car to make it look and work like it did when it was new. This can include painting, repairing parts, and making sure everything runs well."}},{"startTime":2444.7,"endTime":2447.6,"type":"car","title":"M47 Patton tank","image":"https://upload.wikimedia.org/wikipedia/commons/7/78/Hartziel_M47_Patton_Brander_Wald.jpg","quote":"...we insure an M47 Patton tank and we don't just insure one tank. I think we have got like, I don't know, 80 tanks on the books.","canonicalId":"car:m47-patton-tank","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The M47 Patton is a main battle tank that was used by the United States during the Cold War. It was designed in the late 1940s and saw service in various conflicts around the world.","simplifiedExplanation":"The M47 Patton is a type of military tank that was used by the U.S. Army. It was built to fight in wars and is known for its powerful gun and armor.","imageAttribution":"Sascha Faber (CC BY-SA 4.0)"}},{"startTime":2476.0,"endTime":2477.4,"type":"car","title":"Mercedes-Benz Unimog","image":"https://upload.wikimedia.org/wikipedia/commons/8/8b/Mercedes-Benz_Unimog_U_530_Agritechnica_2025_%28DSC07079%29.jpg","quote":"Oh, a Unimog? Yes, thank you. There you go. That's the one.","canonicalId":"car:mercedes-benz-unimog","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Mercedes-Benz Unimog is a versatile, multi-purpose vehicle known for its off-road capabilities and unique six-wheel design. Originally developed for agricultural and military use, it has become popular for various applications, including off-road adventures and utility tasks.","simplifiedExplanation":"The Mercedes-Benz Unimog is a special type of vehicle that can go off-road and is often used by the military or for tough jobs. It has six wheels, which helps it handle rough terrain better than regular cars.","imageAttribution":"MarcelX42 (CC BY-SA 4.0)"}},{"startTime":2595.9,"endTime":2597.2,"type":"term","title":"tuner","url":"/glossary/tuner","quote":"...you see that car driving down the road a tuner. And I mean, your head is moving watching that car go by...","canonicalId":"term:tuner","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A tuner car is a vehicle that has been modified for improved performance, handling, or aesthetics. These modifications can include engine upgrades, suspension changes, and custom bodywork.","simplifiedExplanation":"A tuner car is a car that has been changed or upgraded to make it faster or look cooler. People often modify their cars to improve how they drive or how they look."}},{"startTime":2606.1,"endTime":2606.1,"type":"term","title":"pro street","url":"/glossary/pro-street","quote":"...Also for pro street ends, we get tub cage cars and just don't look like your average car...","canonicalId":"term:pro-street","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Pro street refers to a style of car that is designed for both street use and drag racing. These cars often have extreme modifications, including powerful engines and specialized suspensions to handle high speeds.","simplifiedExplanation":"Pro street cars are built to be fast on the street and in races. They usually have big engines and special parts to help them go really fast."}},{"startTime":2606.1,"endTime":2606.1,"type":"term","title":"tub cage","url":"/glossary/tub-cage","quote":"...we get tub cage cars and just don't look like your average car...","canonicalId":"term:tub-cage","priority":0.5,"confidence":0.8,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A tub cage is a type of chassis modification that involves reinforcing the car's structure, often by adding a roll cage and modifying the rear wheel wells to accommodate wider tires. This is common in pro street cars to enhance safety and performance.","simplifiedExplanation":"A tub cage is a special frame inside a car that makes it stronger and safer, especially for racing. It helps the car handle better and allows for bigger tires."}},{"startTime":2657.0,"endTime":2659.1,"type":"brand","title":"Toyota","url":"/glossary/toyota","quote":"October we're highlighting Toyota. Now right away when you see Toyota come through on a deck page, your last thought might be specialty vehicle or fun car.","canonicalId":"brand:toyota","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Toyota is a Japanese automotive manufacturer known for producing reliable and efficient vehicles. They offer a wide range of models, including sedans, SUVs, and trucks.","simplifiedExplanation":"Toyota is a car company from Japan that makes many types of vehicles, including cars and trucks. They are known for making cars that last a long time and are easy to drive."}},{"startTime":2669.4,"endTime":2672.4,"type":"car","title":"Toyota Pickup","image":"https://upload.wikimedia.org/wikipedia/commons/e/ec/A_Toyota_Hilux_pickup_truck_with_a_snowplow_01.jpg","quote":"But they actually have quite a few but one that really might surprise you is the Toyota pickup. And that was actually the model name for quite a few years, Toyota pickup.","canonicalId":"car:toyota-pickup","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Toyota Pickup was a model produced by Toyota for several years, known for its durability and utility as a compact truck. It has been popular among consumers looking for a reliable work vehicle.","simplifiedExplanation":"The Toyota Pickup is a type of truck made by Toyota that has been around for many years. It's known for being tough and useful for carrying things or doing work.","imageAttribution":"Sadenäyttely (CC BY-SA 4.0)"}},{"startTime":2697.72,"endTime":2701.56,"type":"car","title":"Nissan 300Zx","url":"/cars/nissan/300-zx","image":"https://upload.wikimedia.org/wikipedia/commons/2/2b/1986_Nissan_300_ZX_%2814934639993%29.jpg","quote":"or if you see it on a deck page, a 1995 Nissan 300ZX. You'd think a Nissan from the 90s,","canonicalId":"car:nissan:300-zx","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Nissan 300 ZX is a sports car that was produced by Nissan from 1983 to 2000, with the 1995 model being part of the Z32 generation. It is significant for its blend of performance, technology, and design, often regarded as one of the best Japanese sports cars of its era. The 300 ZX is frequently discussed for its powerful engine options, advanced features for its time, and its role in the Z-car lineage.","simplifiedExplanation":"The Nissan 300 ZX is a cool sports car made by Nissan that was popular in the 1990s. It’s known for being fast and stylish, and many people love it for its performance and unique design. If you see one, it’s a classic car that represents a fun era in automotive history.","imageAttribution":"Niels de Wit from Lunteren, The Netherlands (CC BY 2.0)"}},{"startTime":2704.2,"endTime":2706.8,"type":"term","title":"beater","url":"/glossary/beater","quote":"You'd think a Nissan from the 90s, like what is this, some beater. But that is another one of those cars that if it's special to the owner...","canonicalId":"term:beater","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A 'beater' is a term used to describe a car that is old, worn out, or not in pristine condition, often used for daily driving without concern for its appearance or value.","simplifiedExplanation":"A 'beater' is a car that isn't very nice or valuable. People often use it for everyday driving without worrying about how it looks."}},{"startTime":2709.8,"endTime":2711.7,"type":"term","title":"garage queen","url":"/glossary/garage-queen","quote":"...if it's special to the owner, if it's garage or taken care of, not daily driven 100% we would consider that.","canonicalId":"term:garage-queen","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A 'garage queen' is a car that is kept in excellent condition and rarely driven, often stored in a garage to preserve its value and appearance.","simplifiedExplanation":"A 'garage queen' is a car that is very well taken care of and usually just sits in the garage instead of being driven often."}}],"speakers":[{"id":"s1","name":"Hagerty","role":"host"}],"transcripts":[{"url":"http://getcarcurious.com/episodes/behind-the-numbers-how-product-and-underwriting-power-hagerty-s-advantage/transcript.vtt","type":"text/vtt"}]}