I bought mine from Best Buy and don't regret it whatsoever. I paid $119.00 out the door because of their price matching. I pay $8 Dollars a month for the insurance and get more out of it than Verizon offers. It comes with the exact same one year warranty from Motorola that Verizon offers too. All in all I paid a lot less and got the same thing I would have had I went to a Verizon store.
This is just a friendly clarification of my earlier comment. Verizon wireless will not replace your phone if you have purchased it from a non corporate store and you are having issues with it. Yes, it does come with Moto warranty no matter where you purchase the phone but if you buy the phone at a non corporate store and have issues with the phone they will ask you to either go back to the store if it’s within the 30days or send it to Moto for repair. Verizon will not service the phone in any way from what I have been told by several reps and supervisors from a previous experience. They only offer the swap out to customers that purchase the unit directly for them.
The Insurance would require you to make a claim in which you would have to pay a deductible for the refurbished handset. I believe that they would only allow you to make 2 claims a year. Verizon will swap the unit out 3 times and if you still are having issues with the 4th unit they will replace it with a brand new unit or model depending on availability.
I personally would rather pay a little more and have less of a headache just to because of my bad experiences with warranties.
Just to clarify on this a bit.... VZW will replace your device under the 1 year manufactures warranty if it is bought from (A) a corporate location or (B) a VZW PREMIUM Retailer. I have no issues getting devices replaced what so ever.
With that being said, best cheapest option is to buy from VZW online website (purely because they will do instant rebates) But you cannot go wrong buying from a VZW corporate store OR a PREMIUM Retailer.