I sent in multiple pictures to their policy reviewers. I had the same valuation with Hagerty without sending in any pictures.
I hope to never find out.
I switched from Hagerty to Safeco same as yours above but with $1000 deductible and agreed value of $30k and my annual premium is $470. This is not my daily driver, no accidents, tickets.
The premium was the same with Hagerty but I less concerned about denial of claims given the conversations...
On my Hagerty policy that is due for renewal next month, the policy highlights document insert reads as follows: “ Flexible Usage: our custom designed policy doesn’t restrict usage to just parades and car shows; we encourage you to drive your classic just for the fun if it.”
If there is a date code on the tire you can use that info.
Not sure I would use a spare that is over 10 years old if it shows signs of dry rot other than to crawl to service station.