They say my car is totalled! What should I do?

So, my 07 Honda Accord was rear-ended last week. The rear bumper is destroyed, the trunklid is slightly dented and bent. The spare tire well is crushed upward. As far as I can tell, the fenders are unscathed. The frame seems okay and there are no mechanical damages. Apple Honda is quoting the repairs as over $7100.00 and State Farm is telling me that they want to total the car! They will give me $6400 for it and take it, or they will give me $4850 and I can keep it! I want to keep my car, and I think the repair costs were inflated big-time. I'm getting it looket at by another body shop on monday, but if I keep it, I will have to get a salvage certificate and have an enhanced inspection done once it's repaired. What do you think? Any advice is appreciated!

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