Insurance "Agree Value" vs. classic insurance appraised value

[214Chevy]

Doesn't most classic car insurance companies ask you how much do you want to insure the car for? Wouldn't that be "agreed value" so to speak? As long as it's not some outrageous amount like $250k for the super-builds, they don't ask for anything but 3-4 pics of the car from all sides/angles. If asking for a value of...let's say,$30K...then they don't ask for appraisal reports, receipts, etc. I insured my Camaro for $60k and they asked me what warrants that amount and to justify said amount. So, I emailed them a few receipts. At least this has been my experience with Grundy and Phoenix, a local company here.