[EyeB]

It's just even your "upgrade from epic to evo3d cost you the $100 deductable+a year of insurance at $96/year.... You can get an evo3d for the same $196 online (used but sometimes you get accessories too) (I said a year of insurance because before then, there is the free warenty to cover it)

unless the phone keeps resale value well (where it will cost more than $200 after a year), I'm not finding insurance worth it. Since like you said, before the first year, you have manufacturer warranty.

A contract is normally 2 years, if you have to switch out a phone after the first year, you can pick up a pretty good phone for $200 (unless you bought something like the newer htc/iphone/galaxy phones that still resell well). Then after another year you're up for another upgrade anyways. Without insurance you save $192 over 2 years. That pretty much pays for most of the new upgrade/subsidized phone.