3) I maintain my vehicles well enough to qualify as a "certified pre-owned" vehicle that could be placed on an extended warranty. I also let State Farm periodically inspect my vehicles so they can make a note of their general appearance and condition. With mildly persistent persuasion, I've never had a problem with them assigning the highest possible value towards any repair or replacement situation.

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Just looking for clarity. You actually call SF and either you head down to their location or they come to you for a visual ~inspection~ of your car ?

That's a 1st I've ever heard of.

I can see if you want to add a rider *which does costs extra above the stated premium*, that covers add-ons, custom wheels, etc - in which they may want a inspection or just receipts. That I've done in the past.