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I have State Farm as well and they give you the KBB value minus the deductible. KBB takes in all option trim levels on cars, including automatic trans, full leather interior, heated seats, etc. I actually went thru this on a car about 9 years ago. State Farm came thru for me.
If your insurance is only offering to cover a base vehicle, no matter the trim level, you may want to look at another insurance company.
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