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Because there are a lot of numbskulls working in the Home Office?
Oh, I'd give Bob a bit more credit. He is confusing himself.
There is a world of difference between the guy moving from one state to another and needs a new State Farm agent and the guy who isn't happy with his current auto insurance and wants a new policy. Also, the guy who sees all those State Farm commercials and decides to find the nearest agent for a quote is again a completely different situation.
The person who is moving is definitely looking for an agent. He already has a Allstate policy, he just needs an agent in his new state. The guy who doesn't like his auto rates, he just wants new rates and isn't particular if it is from an agent or call center.