Allstate Platinum Protection Plan worth it?

I have thought of that before, Money isn't really the issue. Its going to cost me 25 bucks more a month to have the "better plan" I qualify for a good student discount. That's about 30 dollars so i end up breaking even. I can't because of a family accident lower anything, right now im 25-50 all the way across with a 500 dollar deductible.