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Neither of those Hagerty prices seem realistic to me. Those inflated prices be based on what the people that insure their Saabs with Hagerty feel their car is worth. Within reason, if you are willing to pay the premium, I'm sure Hagerty will insure your Saab for that amount.
No doubt, there is someone out there willing to pay $31,000.00 for a Saab, but that doesn't mean that is what it's worth. That's the difference between a "collector" and a Saaber".
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