154 to 20 years as an agent and he is telling you to put in a claim. I would sit down and see what he thinks I could claim. He is not going to jeopordise his standing with Allstate by telling you to put in a claim nor is he going to jeoparise his relationship with you. Bottom line is that he sees that there is money set aside for people in your area and he is simply suggesting that your have the option to pick it up.
Lot of value and convenience to having 1 provider for your insurance but if you are knowledgable on insurance there are some good opportunities to reduce your expenses in this area.
I would suggest getting an auto quote from Wawanesa if you do not have any tickets or accidents in the last 3 years. I believe they are beginning to offer homeowners insurance. They are off of friars road and are a reputable company for those who know the insurance industry.