[EyeB]

not too sure why people pay for insurance :S
it's normally cheaper to buy a phone second hand from ebay/craiglist or get it repaired

I mean evo 4g goes around $100 on craigslist in my area now, if you have to pay the deductable and a monthly fee for the service... might as well just buy it from craigslist for the $100. sure it's not brand new but the condition on some isn't bad (near new even sometimes)