[akastixx]

insurance is a no-brainer. it is just less hassle. call the number, use your cheap backup phone if you have one if you aren't ready to pay the $50 that same day, then call them back before 90 days. $7 is not bad. if you are really cheap, just get the 4 or 3 dollar plan that covers you for repairs or for lost/stolen/water but not both.

sprint also has aaa for your car (or any vehicle you happen need help for and are standing by while making a call on your phone) for $4 a month. with locksmith and tow fees going up, it's a good thing to have.