I also get a "discount" if I pay in full on my insurance but it is rather lame. Like $25. If you are calling your agent anyway make sure you are getting all the possible discounts you can. Such as "low milage"; using public transport; age etc. On the back of your "coverage selections page" it should list any discounts available. One of the big bonuses of paying in full is that if you miss a payment they cancel your insurance and it can be a hassle to get it reinstated. So I like to pay mine in full.

With regard to the phone not sure. One thing I have that is important to me is using the phone like a router. I insist on having that in case my internet service dies.