Trust me even if a lot of people don't turn anything in, they will not lower the price of insurance. They are going to make as much money as possible. If I were you and you don't want to feel guilty throw your phone in a dumpster then walk away. That way your phone is actually gone.
Also what is the point in paying in insurance if you are never going to use it? I don't get insurance on my phone because "knock on wood" I have never had an incident with my phone and don't want to fork out the money each month. I feel like if you are paying a couple hundred dollars every two years or so then you might as well use it.
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