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Allstate uses a soothing message to promote its new "Value Plan:" Get cheaper car insurance without sacrificing "good hands" protection. A living, breathing agent will even help with any claims. An oft-aired television ad shows a young dude clearly too poor to buy prime coverage and an older man in a fender-bender faceoff. The silver-haired gent assumes the longhair has a lousy policy, if any policy at all, and looks worried. Enter the Value Plan. The guy may seem sketchy but thanks to the Value Plan, his budget insurance is just fine, thank you. Cut-rate insurance plans typically offer bare-minimum levels of mandatory liability coverage and nothing else.