State Farm goes by what the vehicle is being sold for on the used market in Mn. Not Kelly book value. I hope you can get trade value from your insurance co. or better.
Edit: kbb trade valve for the Minneapolis area is $10,150. If you can verify the extras above what is factory you may gain some $. I was able nickel & dime to the tune of $1,300 for my extras. Every bike I’ve owned I’ve had a 3 ring note book. Told the wife if I have an accident and don’t make it to use the note book. Also told her if she looked in it she’d be up set.ðŸ¤-