In the event there are discrepancies between this information and your policy, the terms of your policy will govern. A companion policy credit or the billing plan credit. Loss-free credits You can receive discounts based on the number of years you’ve gone without causing an accident. Driver training discount We reward cheap auto insurance young drivers who have successfully completed an approved driver training course. Auto loan/lease coverage within the first 30 days after you buy the car. You can receive discounts based on driving record, safety features and the amount of business you do with us. You must, however, purchase this coverage within the first 30 days after you buy the car.