On another note is buying from best buy and getting there insurance 10 per month or 170.00 for 2 years no deductible better than AT&t?
I have always bought directly from at&t is there anything to watch out for if you buy elsewhere? If you buy else where can you get insurance from at&t? TIA
Although I'm fairly confident of what I've written below, I'm going by memory, so please check the policies (especially the fine print!), and don't rely on the accuracy of what I've written:
You
can still get the AT&T insurance (actually not AT&T, but a subcontracting company) even if you buy your phone at BEST BUY. The two insurance policies are different, so you might want to consider having them both, though it may seem silly to pay approx. $17 month!
The AT&T insurance covers pretty much everything, but there is a high deductible to pay per claim and you are limited to 2 claims (
I think) per year. You can cancel anytime. Starting Oct. 1 their monthly premium will go up to $6.95 and there are 3 tiers of deductibles, and for the SGS II the highest one will probably apply. As of Oct. 1, I believe the top tier deductible will be $175 (?!), and they will likely be giving you a refurbished phone when you file a claim. They usually send it to you via Fed-Ex and you end up waiting 1 or 2 days for the replacement.
The Best Buy insurance ("Black Tie" is what I think they call it) is $10 per month and there is no deductible and can be canceled at any time. They tell you that it's not only insurance, but also covers all sorts of technical issues, but I suspect that's only going to be needed by noobs. Anyway, if your phone is lost or stolen they do
NOT cover it. Also, if your phone has "light" liquid damage they will cover it, but if it's been immersed then they probably
won't. From what I understand, I think you can take the phone into the store and walk out with a replacement if it's not repairable. If it is repairable, I think they give you a loaner while they do the repair.
Best Buy also has a "buy back" plan, which gives you credit towards a new phone, if you decide that you want to trade-in your phone for the latest and greatest shiny phone. It works on a sliding scale and gives you less and less credit as your phone ages. You must purchase this plan when you buy your phone (or I think within 30 days of purchase). It costs $60, but if you sign up for the Black Tie plan ($10 per month) at the same time they only charge you $30. Then, after 1 month you can cancel the Black Tie plan, and still retain the $30 savings you realized on the Buy Back plan.
Again, please check out the details yourself, and don't rely on the above!