Quote:
Originally Posted by jdmsohc22
Well that's why those are only your opinions and thankfully not the guidelines.. Having insurance on your phone is no different than having insurance on your car... I can buy a $2000 car and pay $75 a month or $900 a year, but instead you'd insist to just not have insurance and buy a new car every 2 years..?? I can't justify that at all, when having insurance could alleviate that whole situation... And to be honest, just because you can get one off ebay doesn't mean it's not a $450 phone...
Am I the only one who hates ignorant people..?? |
Wait, you put a phone and car at the same level? Now, lets take your example and analyze it. First, where did you get your $2000 car and $75/month for insurance numbers? If that's what you're paying, you're getting ripped off. There's no point in buying collision and comprehensive on a car when it's only worth $2k. I'm going to make a wild assumption and guess that you were getting liability, comprehensive and collision. Why would you pay $900/year on insurance on a car worth only twice that. Not only that, why are your rates so high? I pay $75/month for 2 vehicles worth a lot more than $2k together. And who said you have to buy a new car every 2 years? I'm not even sure what you're trying to argue with that one.
Oh and to be honest, just because you SAY your phone is worth $450 doesn't make it worth $450. Something is worth only what someone will pay for it. Remember that.
Quote:
Originally Posted by jmorton10
Eer, yea it is.
I drive a truck I paid $25,000 for, & having that insured is completely totally different than wasting money every month on a phone that can be replaced for less than $200 from ebay.
I have used a PPC since my xv6700 days & have never paid for & never needed insurance. I carefully take care of my phones, & the amount of money I have saved at this point in not paying monthly insurance fees would buy me another phone a couple times over even if I bought it at full retail (which I would never do anyway).
I guess it all depends what kind of a user you are. I have a co-worker who abuses his phone unmercifully & for him insurance is pretty much required. He manages to break his phone at least once a month when he has a good buzz on. He has layed it down at parties where he basically didn't know anybody & had it stolen three times (or he was so drunk he forgot where he left it).
He also thinks nothing of making a phony insurance claim. i personally don't really care that he does that, but it's not something I would do.
~John
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Thanks for a little dose of common sense.