I have a 1993 245 insured by Hagerty. When I first acquired the car I checked with them and was denied coverage due to it not being considered collectible. Recently it was accepted for agreed value coverage due to a company policy change. The coverage for a "not collectible" car depends on your already having a qualifying vehicle covered by them (in my case that would be my 1969 144S) and also required is having a daily driver.
I had looked into registering the 245 in Vermont. They base their tax on the NADA "high" assigned value. In the case of my 245 that is just under $4k. Your 945 was listed as having a "high" value of just over 5k. I do not know what parameters Hagerty uses but they accepted my requested 5k coverage. - Dave
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