tinyin210

well if you look at it you dont have to pay 7 a month for insurance 3 is for equipment replacement that is for system failure screen goes out that is good to have but 4 dollars more you get the protection from theft jumping/or getting thrown into a pool things like that but the best part i would say is the $100 bucks that it takes to get a new/refurb phone can be charged to your account and can be paid over time given you dont have a low spending limit if your like me i have a 400 dollar spending limit my bill is $109 a month with taxes if i charge the deductible and send 129 5 times i get a replaement phone no inturuption of service and if you have had the phone a long time and it is not in circulation anymore they send you the next best phone and its new not the next new refurb phone