My wife an I have had the same carrier since 2002. We finally went to smart phones a year and a half ago. When we bought our phones we wanted to pay upfront, but the store wanted us to do the monthly payments. When I insisted on paying in full, they gave me a price that was actually higher to pay outright versus over the course of a year. I think they do it because they want you to get used to paying a higher bill and get used to changing phones yearly.
We’ve never had insurance on our phones. When we started asking questions, it turned out to not be cost effective. 15 buck a month is 180 a year. You can usually get a used phone or repair your phone for less than that. I cracked my screen and it cost me 125 have it replaced. I’ve had a year an a half, so I would have paid a quite a bit more.
Obviously the insurer is betting that you do not have a claim and you are betting that you will. Since they write the policy, they have the advantage.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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