[neodorian]

I never pay insurance. The phone cost me $300 and insurance would have cost just under $170 for the duration of the contract. Assuming it doesn't get totally effed up in the first year or so, I would be fine with just buying a new phone. So far I have never needed to call on an insurance policy in the 6 or 7 years I have been using cell phones. My Palm had a keyboard issue but I just voided the warranty and took it apart and fixed the thing. Maybe I'm pressing my luck but I feel weird paying another $170 to insure something I just shelled out $300 for.