{"version":"1.1.0","producer":"fm.getcarcurious","layer":"official","episode":{"title":"The Car Enthusiast Clients You Didn’t Know You Had","url":"http://getcarcurious.com/episodes/the-car-enthusiast-clients-you-didn-t-know-you-had","audioUrl":"https://traffic.megaphone.fm/HGM5370765303.mp3","description":"Bryant Kolle and John Gessner go solo to break down one of the biggest missed opportunities in an agent's existing book: the enthusiast client hiding in plain sight. From 2025 Porsche 911s to 90s Miatas, they unpack the real size of the collector car market and how agents can recognize the right risks, place them with confidence, and grow these relationships beyond a monoline policy.\n\nHere’s what we’ll cover in this episode:\n\n(00:27) Why enthusiast clients are hiding in plain sight\n\n(02:30) The Recognize, Place, Grow Framework explained\n\n(04:21) The biggest misconceptions agents have about Hagerty\n\n(06:06) How big is the collector car market really?\n\n(08:15) Surprising valuations on vehicles from the 90s and 2000s\n\n(09:24) Why value accuracy matters so much at claim time\n\n(13:47) Behavioral signals that reveal an enthusiast client\n\n(18:27) Why enthusiast clients are great insurance customers\n\n(21:03) Guaranteed value versus stated value versus actual cash value\n\n(26:36) How Hagerty's claims team is built differently\n\n(30:50) Three ways to connect with collectors and grow your book\n\nExplore more with Hagerty:\n\n\n  The collector clients sitting in your book\n\n\n\n  The Bull Market List reflects the changing Hagerty appetite\n\n\n\n  The RADwood Effect: 80s and 90s Car Culture\n\n\n\n  Understanding collector car claims\n\n\n\n\nSend your questions and feedback to Bryant and John at theacceleratorpodcast@hagerty.com"},"annotations":[{"id":512044,"startTime":285.24,"endTime":290.46,"type":"car","title":"Porsche 911","url":"/cars/porsche/911","image":"/images/cars/porsche-911-press.jpg","quote":"...om the audience, does Hagerty ensure 2025 Porsche 911s, and would those be considered collectible cars, ...","canonicalId":"car:porsche:911","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Porsche Newsroom","imageSourceUrl":"https://newsroom.porsche.com/en_US/products/911.html","sourceStartTime":285.24,"sourceEndTime":290.46}},{"id":512045,"startTime":433.0,"endTime":435.84,"type":"car","title":"Ford Taurus","url":"/cars/ford/taurus","image":"https://upload.wikimedia.org/wikipedia/commons/9/9c/11_Ford_Taurus_SHO_%2814344242197%29.jpg","quote":"...es John, did you lost after like a four-door Ford Taurus or something? I maybe had some girls I was intere...","canonicalId":"car:ford:taurus","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Wikimedia Commons / CC BY 2.0","imageLicense":"CC BY 2.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:11_Ford_Taurus_SHO_(14344242197).jpg","sourceStartTime":433.0,"sourceEndTime":435.84}},{"id":512046,"startTime":444.32,"endTime":447.36,"type":"car","title":"Jeep Wrangler","url":"/cars/jeep/wrangler","image":"https://upload.wikimedia.org/wikipedia/commons/a/a7/JEEP_WRANGLER_%28JL%29_China.jpg","quote":"I was a Jeep guy. My first car was a 1995 Jeep Wrangler. Oh, that's cool.","canonicalId":"car:jeep:wrangler","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Dinkun Chen (CC BY-SA 4.0)","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:JEEP_WRANGLER_(JL)_China.jpg","sourceStartTime":444.32,"sourceEndTime":447.36}},{"id":512047,"startTime":528.32,"endTime":531.36,"type":"car","title":"Ford Bronco","url":"/cars/ford/bronco","image":"https://upload.wikimedia.org/wikipedia/commons/a/a3/1994_Ford_Bronco%2C_Rear_Right%2C_06-16-2020.jpg","quote":"...5,000 to 100,000. I mean, you could go to Gateway Bronco and get one for 400,000. We're talking about 160%...","canonicalId":"car:ford:bronco","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"SsmIntrigue (CC BY-SA 4.0)","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:1994_Ford_Bronco,_Rear_Right,_06-16-2020.jpg","sourceStartTime":528.32,"sourceEndTime":531.36}},{"id":512048,"startTime":535.1800000000001,"endTime":538.88,"type":"car","title":"Lexus Lfa","url":"/cars/lexus/lfa","image":"https://upload.wikimedia.org/wikipedia/commons/d/d9/Lexus_LFA_%285219778915%29.jpg","quote":"... 160% appreciation of those. And then we have the Lexus LFA, which is a really cool car. If you're listening,...","canonicalId":"car:lexus:lfa","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Wikimedia Commons / CC BY-SA 2.0","imageLicense":"CC BY-SA 2.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:Lexus_LFA_(5219778915).jpg","sourceStartTime":535.1800000000001,"sourceEndTime":538.88}},{"id":512049,"startTime":657.58,"endTime":660.8,"type":"car","title":"Mazda Miatas","url":"/cars/mazda/mx-5-miata","image":"/images/cars/mazda-mx5-press.jpg","quote":"that Agri only does really expensive cars. And so two of my really good friends own Miata's from the 90s. They both happened to be red.","canonicalId":"car:mazda:mx5miata","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Mazda USA","imageSourceUrl":"https://www.mazdausa.com/vehicles/mx-5-miata/gallery","sourceStartTime":657.58,"sourceEndTime":660.8}},{"id":512050,"startTime":836.0,"endTime":839.32,"type":"car","title":"Ferrari F12","url":"/cars/ferrari/f12-berlinetta","image":"https://upload.wikimedia.org/wikipedia/commons/2/27/2013_Ferrari_F12_2.jpg","quote":"...'s the scenario. You find out a client has a 2016 Ferrari F12. That screams, oh yeah, that probably is a collec...","canonicalId":"car:ferrari:f12berlinetta","priority":0.5,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Wikimedia Commons / CC BY-SA 4.0","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2013_Ferrari_F12_2.jpg","sourceStartTime":836.0,"sourceEndTime":839.32}},{"id":512051,"startTime":847.56,"endTime":849.64,"type":"car","title":"Mercedes-Benz SLS AMG","url":"/cars/mercedes-benz/sls-amg","image":"https://upload.wikimedia.org/wikipedia/commons/5/55/2010_Mercedes-Benz_SLS_AMG_%28C_197%29_Blackbird_coupe_%282010-10-23%29.jpg","quote":"... also realize that they have a 2015 Mercedes-Benz SLS AMG Black Edition. You might let that one slide.","canonicalId":"car:mercedesbenz:slsamg","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Pineapple fez (CC BY-SA 3.0)","imageLicense":"CC BY-SA 3.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2010_Mercedes-Benz_SLS_AMG_(C_197)_Blackbird_coupe_(2010-10-23).jpg","sourceStartTime":847.56,"sourceEndTime":849.64}},{"id":512052,"startTime":1198.14,"endTime":1199.74,"type":"car","title":"Toyota Camry","url":"/cars/toyota/camry","image":"https://upload.wikimedia.org/wikipedia/commons/6/6f/2018_GAC-Toyota_Camry_%28front%29.jpg","quote":"...omething for fun. They don't have an extra Toyota Camry or extra Honda Civic just for fun.","canonicalId":"car:toyota:camry","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"User3204 (CC BY 4.0)","imageLicense":"CC BY 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2018_GAC-Toyota_Camry_(front).jpg","sourceStartTime":1198.14,"sourceEndTime":1199.74}},{"id":512053,"startTime":1199.74,"endTime":1201.8,"type":"car","title":"Honda Civic","url":"/cars/honda/civic","image":"https://upload.wikimedia.org/wikipedia/commons/d/d3/2017_Honda_Civic_Type_R_FK8_in_Championship_White%2C_front_right%2C_08-04-2024.jpg","quote":"...y don't have an extra Toyota Camry or extra Honda Civic just for fun. Maybe they do,","canonicalId":"car:honda:civic","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Wikimedia Commons / CC BY-SA 4.0","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2017_Honda_Civic_Type_R_FK8_in_Championship_White,_front_right,_08-04-2024.jpg","sourceStartTime":1199.74,"sourceEndTime":1201.8}},{"id":512054,"startTime":1445.74,"endTime":1448.58,"type":"car","title":"Dodge Ram","url":"/cars/dodge/ram","image":"https://upload.wikimedia.org/wikipedia/commons/e/e5/2019_Ram_1500_Bighorn%2C_rear_3.11.20.jpg","quote":"...aybe take for granted that let's just use my 2020 Dodge Ram. If it got into a total loss, I wouldn't want tha...","canonicalId":"car:dodge:ram","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Kevauto (CC BY-SA 4.0)","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2019_Ram_1500_Bighorn,_rear_3.11.20.jpg","sourceStartTime":1445.74,"sourceEndTime":1448.58}},{"id":512055,"startTime":1645.46,"endTime":1648.56,"type":"car","title":"Ford Mustang","url":"/cars/ford/mustang","image":"https://upload.wikimedia.org/wikipedia/commons/5/52/2024_Ford_Mustang%2C_LaSalle%2C_Ontario%2C_2025-06-28.jpg","quote":"...you'd show up at the Ford dealership with your 65 Mustang, they're going to kind of laugh you out of the bu...","canonicalId":"car:ford:mustang","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Crisco 1492 (CC BY-SA 4.0)","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2024_Ford_Mustang,_LaSalle,_Ontario,_2025-06-28.jpg","sourceStartTime":1645.46,"sourceEndTime":1648.56}},{"id":512056,"startTime":1678.38,"endTime":1684.54,"type":"car","title":"Ford F150S","url":"/cars/ford/f-150","image":"https://upload.wikimedia.org/wikipedia/commons/a/ae/2021_Ford_F-150_%28fourteenth_generation%29_front_view_01.png","quote":"all the other companies are doing hundreds and of Ford Tourists, F-150s, Toyota 4 Runners, all good cars. And then they get something like an 85 Mustang.","canonicalId":"car:ford:f150","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Gold Pony (CC BY 3.0)","imageLicense":"CC BY 3.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2021_Ford_F-150_(fourteenth_generation)_front_view_01.png","sourceStartTime":1678.38,"sourceEndTime":1684.54}},{"id":512057,"startTime":1678.38,"endTime":1684.54,"type":"car","title":"Toyota 4 Runners","url":"/cars/toyota/4runner","image":"https://upload.wikimedia.org/wikipedia/commons/4/42/05_Toyota_4Runner_SR5_Sport.jpg","quote":"... are doing hundreds and of Ford Tourists, F-150s, Toyota 4 Runners, all good cars. And then they get something like ...","canonicalId":"car:toyota:4runner","priority":0.7,"confidence":0.9655172413793103,"source":"fuzzy","data":{"imageAttribution":"HJUdall (CC0)","imageLicense":"CC0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:05_Toyota_4Runner_SR5_Sport.jpg","sourceStartTime":1678.38,"sourceEndTime":1684.54}},{"id":512058,"startTime":1748.52,"endTime":1751.56,"type":"car","title":"Mclaren F1","url":"/cars/mclaren/f1","image":"https://upload.wikimedia.org/wikipedia/commons/f/fc/NEC_Birmingham_1992_Car_Show_Mclaren.jpg","quote":"...les that are on the higher end get damaged, think McLaren F1, we send them back to the factory. KonaSeg, we ha...","canonicalId":"car:mclaren:f1","priority":0.7,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Wikimedia Commons / CC BY 2.0","imageLicense":"CC BY 2.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:NEC_Birmingham_1992_Car_Show_Mclaren.jpg","sourceStartTime":1748.52,"sourceEndTime":1751.56}},{"id":512059,"startTime":2291.98,"endTime":2293.62,"type":"car","title":"Ford F-150 Lightning","url":"/cars/ford/f-150-lightning","image":"https://upload.wikimedia.org/wikipedia/commons/5/57/2022_Ford_F-150_Lightning%2C_NYIAS_2022.jpg","quote":"single lines. So, John, should we do a fun lightning round? Oh, I love fun lightning rounds.","canonicalId":"car:ford:f150lightning","priority":0.5,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Kevauto (CC BY-SA 4.0)","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2022_Ford_F-150_Lightning,_NYIAS_2022.jpg","sourceStartTime":2291.98,"sourceEndTime":2293.62}},{"id":512060,"startTime":2356.42,"endTime":2361.7,"type":"car","title":"Ford SVT Lightning","url":"/cars/ford/svt-lightning","image":"https://upload.wikimedia.org/wikipedia/commons/1/1d/2000_Ford_F-150_SVT_Lightning_5.4.jpg","quote":"...r best guess here. So we've got a 1993 Ford F-150 SVT Lightning Truck. It's owned by a 37-year-old in Bentonville...","canonicalId":"car:ford:svtlightning","priority":0.5,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Vauxford (CC BY-SA 4.0)","imageLicense":"CC BY-SA 4.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:2000_Ford_F-150_SVT_Lightning_5.4.jpg","sourceStartTime":2356.42,"sourceEndTime":2361.7}},{"id":512061,"startTime":2375.2,"endTime":2383.22,"type":"car","title":"Subaru Impreza","url":"/cars/subaru/impreza","image":"https://upload.wikimedia.org/wikipedia/commons/7/7b/Subaru_Impreza_-_48416242862.jpg","quote":"...a 2007, so newer even than the 90s, a 2007 Subaru Impreza WRX STI, it's a four-door hatchback, was recently...","canonicalId":"car:subaru:impreza","priority":0.5,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Wikimedia Commons / CC0","imageLicense":"CC0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:Subaru_Impreza_-_48416242862.jpg","sourceStartTime":2375.2,"sourceEndTime":2383.22}},{"id":512062,"startTime":2399.3,"endTime":2403.9,"type":"car","title":"Nissan 300Zx","url":"/cars/nissan/300-zx","image":"https://upload.wikimedia.org/wikipedia/commons/1/1f/1990_Nissan_300_ZX_%2827761871174%29.jpg","quote":"...ne that can't be right. So it's a red 1995 Nissan 300ZX. Okay, it is a two-door coupe.","canonicalId":"car:nissan:300zx","priority":0.5,"confidence":1.0,"source":"fuzzy","data":{"imageAttribution":"Greg Gjerdingen from Willmar, USA (CC BY 2.0)","imageLicense":"CC BY 2.0","imageSourceUrl":"https://commons.wikimedia.org/wiki/File:1990_Nissan_300_ZX_(27761871174).jpg","sourceStartTime":2399.3,"sourceEndTime":2403.9}},{"id":512063,"startTime":2427.88,"endTime":2432.94,"type":"car","title":"Ford Thunderbird","url":"/cars/ford/thunderbird","image":"https://upload.wikimedia.org/wikipedia/commons/3/39/03_Ford_Thunderbird_%285889217733%29_%28cropped%29.jpg","quote":"...eep on the Nissan's. What about a white 1956 Ford Thunderbird? 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