so I got the insurance when i bought my droid but I'm thinking about ditching it. $8 a month, right? 12 months per year = $96 a year. And if you actually have to use it, you pay your $90 deductible for a refurb. That doesn't exactly sound wonderful to me...Especially when I have my old Blackberry Curve that I can use instead if my Droid should happen to meet some unfortunate accident. What are you guys doing?