Competing Against Dishonest Agents

I know I'm not the only one that runs into this. How do you combat when you are trying to pick up an account, and they don't have a youthful listed or any other material information that does not create a level playing field?

I'm quoting against an Allstate agent right now. Household is mom, dad, and 18 year old boy. 5 vehicles. 4 vehicles are on one policy. All newer vehicles with PD. Boy is not listed as a driver. They then have a second policy, you guessed it. 1986 Jeep, liab only, min limits and that is where the boy is a driver.

My arguments have been something to the effect
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