[steely]

Tim, I can't advise you, but I can give you my meager experience with my ins-co.
They automatically bump the ACV by some fixed percentage, but last year I called to increase it even more, since their auto-increment amount had been out-paced by the market I felt.

This told me that they don't spend the effort on the individual car, but they took my request, and with me on hold they consulted their underwriter, and immediately agreed to my number, no questions asked. I was prepared to get an appraisal and / or bring it in or provide pix if needed.

Using the same Hagerty tool that you used, I guess I come in between a #2 and a #3.
The car is mechanically great and well maintained, but my paint isn't what it used to be.

Anticipating a significant premium increase, I was surprised when they lowered my premium, since according to them, the coverage reached some sort of threshold.

Apart from my narrow experience, the pace of the car valuations in the past 2 years is also something that I am not fully accustomed to dealing with, but it seems to have worked out.
My only concern now is being perpetually under-insured.
For info, I increased it $5K each of the past 2 years to $32K. It's probably already gone up since then (Jan').