Has anyone bought and dealt with third party insurances? The wife bought me the galaxy S2 this Christmas and for the first time I actually want to buy insurance for my phone. I'm aware sprint offers insurance for $8 a month but if my math is correct I'll be paying $192 for two years. Third party insurance prices seem more reasonable and include more. So what do you guys think? Should I opt for a third party insurance or suck it up and pay sprint?