Collecting cars is an expensive hobby. Here's a twist: Buy a new car today that will be worth a fortune as a collectible years from now. Best of all, you don't need to break the bank to buy a hot and value-appreciating ride. But you do have to be patient, since waiting is key.

"Many consumers could be driving a future collector car right now," McKeel Hagerty, CEO of Hagerty, a specialty insurer of collector cars in the United States, and himself a respected collector car valuation expert. "Our goal was to find cars that are currently on the road but may be considered nostalgic in 15 to 20 years. Each car on Hagerty's Hot List possesses a 'buzz,' a wow factor that resonates with consumers of all ages, many cars being daily drivers that turn heads already."

Why do some vehicles become tomorrow's collector car? Hagerty says it's a combination of pop culture popularity, limited production numbers and the style of the next generation of collectors.

Hagerty's Hot List, the top 10 collector cars of the future:

1. Cadillac XLR-V Roadster | See Photos

Under the hood sits a hand-built 4.4-liter V8 that's been supercharged and puts out 443 horsepower. This is a serious domestic roadster that competes with the Mercedes SL-Class, Porsche 911 Cabriolet and Jaguar XKR, as well as the four-seat BMW M6 convertible.

2. Lotus Exige S | See Photos

Most practical people will find the Lotus Exige is a miserable little car -- that is if you are shopping for a grocery getter! Research uncovered one anonymous review stating "Bottom Line ... my heart beats faster when I think about this car ... it is that rewarding."

3. Audi S5 | See Photos

A slick coupe with solid credentials. It provides good looks, impressive all-wheel-drive handling and an affordable price tag for this segment.

4. Mustang Shelby GT 500 KR | See Photos

The new GT500 KR (King of the Road) takes the bare bones of a GT500 and turns it into a 540 horsepower muscle car that pays tribute to the legendary Carroll Shelby. Production is expected to be around 1,000.

5. Chevrolet Corvette Z06 | See Photos

The ferocious Z06 is a fixed-roof coupe with a 7.0-liter V8 that produces 505 horsepower. The last 50 years have proven that most Corvettes eventually become collectible.

6. Smart

At first look, the Smart seems too small to be practical. It's not. Rather, it is a marvel of packaging efficiency. This is the first year they will be available en masse in the United States.

7. Subaru Impreza WRX STi | See Photos

Some Subaru enthusiasts may not like the idea of being spotted in a hatchback, but this will make it more collectible down the road.

8. Honda S2000 CR | See Photos

Less than 2,000 of the CR editions will be built. This is a high-performance version of the stock S2000 that is regarded as Honda's only true sports car.

9. Pontiac Solstice/Saturn Sky | See Photos

This pair of roadsters from GM have all the necessary ingredients: rear-wheel drive, a powerful engine, independent suspension and an impressive weight balance.

10. Dodge Charger Super Bee | See Photos

It has a 6.1 liter HEMI V8 with 425 horsepower and 420 ft.-lbs. of torque. Need we say more for a family sedan?

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