[11and14]

I've valued my cars with Hagerty between Category2-3 values which I feel they are, not sure if others do, but Hagerty hasn't hesitated with these values. But I have no idea if pushing these values closer to a Category 2 would meet more resistance, i.e. a threshold.

Anyway, it doesn't take long to get quotes, and in my opinion it never hurts to shop around - you either find a better deal, or become more comfortable with your current plan.