I have state farm, have a couple cars with them but they never asked for an appraisal of my 87 325is last year nor my 87 325ic this year when i registered it with them. I needed an appraisal for the mto for the 325is but that's another story. I've dealt with a couple different insurance companies when I was shopping around and in my experience state farm has been the best and is the cheapest (next to belair, which I won't go with) I've found.
Currently: 2002 C5 Z06, 2009 335i, 2012 M796, 1976 XS650
PM me for your sidewinder (laser cut) key blank and cutting needs. Have OEM pre-ews keys and replacement shells. Can do (almost) all BMWs up to 2008!