rkeller62
Member
I have never purchased insurance on my cell phones. Let's go with $5/month which is the old premium. That's $60 a year. I have never broken or lost a phone and I have carried a cell phone consistently for 15 years. Sounds like I have saved at least $900 in premiums so I would still be ahead even if I paid full retail to replace my Droid (If I broke or lost it that is). At the going rate on ebay/craigslist I could break/lose it 3 times and still be ahead in the long run.