not all factory rims are clear coated. Toyota started doing that in 84? I believe.
I'm lazy, I can't stand the thought of polishing my wheels every month to keep them shiny, I'd rather put some money and time into them upfront and then reap the rewards for years to come. I clear coated mine with industrial automotive paint. I also painted the inserts and and sides of the spokes with black with gold pearl. They looked real nice but if I did it again I'd powder coat them clear. The problem with clear coated rims is as soon as you get a chip the bare metal starts to oxidize and it spreads just like rust underneath the clear. Powdercoated clear is really hard to chip. Clear anadizing is also another way to go. Aftermarket aluminum rims with polished lips come that way, keeps them from oxidizing. Both processes are a little on the expensive side though.