Insurance. Do you have it.

fendee1 · Apr 21, 2012

So I have been on Verizon for 15 years never got insurance. So I got it for my daughter razor and my thunderbolt. My bolt dropped and cracked lowest I seen was 150. Taking a chance, bad esn or worse. Went on line to asurion at midnight paid 99 bucks got it overnight. It was the best thing ever, was well worth it. If the phone is a dud you tell them they send another. What's your story. Good or bad.

dautley · Apr 21, 2012

You can cancel insurance any time. On a new phone that would cost a couple hundred bucks to replace I want it. I think its $80 to replace a lost, stolen, broken phone. The warranty won't cover damage like drops.
I always keep insurance on a newer smart phone.
If you have a older phone that is out of contract and due for a upgrade then it's not worth it.

chrlswltrs · Apr 21, 2012

Nope, never get insurance on my phones. I am careful with my phones, and if I do break it I look at it as an excuse to upgrade

I do however have insurance for my 10 yr old daughter's phone. You just never know about lost or broken phones with kids even though so far in the last 4 years she has taken very good care of her smart phones and I haven't had to replace one.

Kelmar · Apr 21, 2012

chrlswltrs said:
Nope, never get insurance on my phones. I am careful with my phones, and if I do break it I look at it as an excuse to upgrade

+1

Never needed it in over 15 years of having a cell phone. At this rate having to replace one phone is cheaper than having paid insurance for all those years.

timelord65 · Apr 21, 2012

Nope never for a cell phone. I just use the $5/month against electrical/mechanical problems verizon offers.

Joshbear · Apr 21, 2012

Personally, I have always had insurance. I've only had to use it once, but I still keep it. It's only like 8 dollars a month, times 24 months for a 2 year contract, that's only $192, If you include the deductible, it's still less than $300, which is a lot less than a new phone would cost. I think it's worth it.

gvillager · Apr 21, 2012

I've been using cell phones since the mid 90's. Never bought insurance and never needed it either. It won't break the bank if I ever have to pay full retail for a phone.

91Firebirder · Apr 21, 2012

I always get it because I figure my phone will get broken at work sooner or later. And I have actually used it on each of my last two phones. On my Dinc, I spilled coffee on it, paid my $100 at 7 pm and had a new (prolly refurbished) Dinc the next day by 2 pm. On my "feature phone", cracked the screen playing pool, paid my fee and got a new one. Always a good experience.

IOWA · Apr 21, 2012

Back when insurance was $3/mo with low/no deductible I had it. Now for me, it's useless. I can find what I want on eBay if i just so happen to kill my device, which hasn't happened in over 7 years.

$7 * 12months * 7 years = $588 saved. Per device.

rcaine · Apr 21, 2012

I've never gotten the insurance in over fifteen years of smartphone and palm pda usage. The latest issue of Consumers Reports has an article on types of insurance to never get and it includes phone insurance.

dautley · Apr 22, 2012

I just think you have to look at if your due for a upgrade and get a phone that would cost $400 to $800 to replace at full price if something happens to it $6.99 a month to replace it for $80 $90 isn't a bad deal.
I just don't have the money to replace a high end phone at full price. When the price of that phone drops to around $150 new without contract you can always drop the insurance.
I wouldn't get insurance on a LG Ally or Vortex but would on a Razr Maxx or iPhone 4s 32 or 64 GB.

ironbrewer · Apr 23, 2012

What about bestbuy insurance. It is 9.99 for a phone over $550 and 6.99 for a phone under $550. It has no deductable and you can drop it at anytime. I figure I'll get it and drop it after I'm eligable for an upgrade or at least close.

I like the no deductable thang.

Joshbear · Apr 24, 2012

ironbrewer said:
What about bestbuy insurance. It is 9.99 for a phone over $550 and 6.99 for a phone under $550. It has no deductable and you can drop it at anytime. I figure I'll get it and drop it after I'm eligable for an upgrade or at least close.

I like the no deductable thang.

I believe to get Best Buy's insurance you need to buy a phone through them, though.

chrlswltrs · Apr 24, 2012

Joshbear said:
I believe to get Best Buy's insurance you need to buy a phone through them, though.

I worked for bestbuy mobile over the holidays, and no you don't. They don't like to sell insurance if you don't buy your phone there, but they can. It is up to the discretion of the mobile manager.

Demache · Apr 24, 2012

I can see it going both ways. If your prone to accidents (or just really paranoid) I could see it being worth it. Paying $600 up front retail is not something you do on a whim, especially when you make a little over minimum wage. But if you baby your phone and odds are that its not going to get broken anytime soon, then I could see it as throwing money out the window.

Sarrith · Apr 24, 2012

I'm not sure how everyone is paying <$10 a month at verizon...My bill comes in and it says $9.99 for insurance and that is for the original Droid 1. yea i just canceled my insurance 2 mins ago. :/

ylexot · Apr 25, 2012

Demache said:
I can see it going both ways. If your prone to accidents (or just really paranoid) I could see it being worth it. Paying $600 up front retail is not something you do on a whim, especially when you make a little over minimum wage. But if you baby your phone and odds are that its not going to get broken anytime soon, then I could see it as throwing money out the window.

+1 For example, my wife is prone to accidents, so she has insurance. I'm careful, so no insurance for me. :thumbup:

OfTheDamned · Apr 25, 2012

I just keep my previous phone in case something happens, but I never pay for insurance.

shadowseph · Apr 25, 2012

OfTheDamned said:
I just keep my previous phone in case something happens, but I never pay for insurance.

Yep same here. Unfortunately, this time I cannot since I will be getting a 4G phone. One particular Verizon rep told me that I won't be able to reactivate my old phones on a 4G plan. Not sure why and maybe I misinterpreted what they said.

Besides, it doesn't hurt to have insurance. Only $5 and change for the one I want and replacement deductible costs $49. Not bad, not bad at all.

chrlswltrs · Apr 25, 2012

shadowseph said:
Yep same here. Unfortunately, this time I cannot since I will be getting a 4G phone. One particular Verizon rep told me that I won't be able to reactivate my old phones on a 4G plan. Not sure why and maybe I misinterpreted what they said.

Besides, it doesn't hurt to have insurance. Only $5 and change for the one I want and replacement deductible costs $49. Not bad, not bad at all.

Not true. You can activate a 3G phone if you break a 4G phone. They just have to also make a change to your plan. I did this several times when I was working at Bestbuy mobile

Yeahha · Apr 25, 2012

shadowseph said:
One particular Verizon rep told me that I won't be able to reactivate my old phones on a 4G plan. Not sure why and maybe I misinterpreted what they said.

Once an LTE SIM is disconnected from the line it can not be activated again so you would just need to get a new SIM...annoying? Yes but you can reactivate the phone.

@OP: I have insurance on both my lines. On my phone in the case of bricking mishaps or if my kids decide to go way out of line...they know not to touch daddy's phone. On the other line because it has always been used by people who don't understand the cost of a phone and have no issues abusing the phone or taking unnecessary risks with it.

Also remember you aren't paying VZW for the insurance you are paying Asurion or another company sometimes thru VZW, sure VZW probably gets part of the premium but they aren't getting all the insurance premium you see on your bill.

Insurance. Do you have it.

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