Verizon Insurance Policy

[mswilson2007]

Okie dokie so my TP2 got a spot on the screen...only god knows how. But anyway since then the touch screen hasn't worked. So I'm waiting until I get paid so I can pay the 100 dollars to get another. But my question is if I pay that fee, is there a way I can "get" a droid or some other type of phone. Because I know too many people who've got the TP2 and are on their 3rd and 4th phone....I don't want the hassle down the road.
Are their "tips" or anything as to what I should say to make this happen...or is it out of the realm of possibility?
Edit**
This is with Verizon and the 7 dollar insurance charge monthly...whatever that is