[lipidfats]

i've never paid insurance on phones. if it's not broken by the end of 30 days it's been fine. never had any probs. i also don't get extended warranty's when buying electronics. that's how i roll and it's saved me a bundle.

might think i'm crazy but think of it this way... if i'm that confident that nothing will happen to it, why would i pay an extra $84 a year? now if you've had to take advantage of that small fee before, then it's worth it... me? nah.

edit: wait, you have to pay $100 on top of the monthly fee?