two quick questions

Yeah...if you're looking at the $300 ones, you must be looking at Verizon. If you have a 3GS, does that mean you're switching from AT&T to Verizon? Doesn't AT&T have some cheaper LTE enabled Androids (The Galaxy S2)?

If you don't trust Wirefly (I've heard mixed results myself), try shopping through Amazon. They have nearly identical deals.

Extra warranty or insurance? I wouldn't bother with extra warranty. But I would get insurance. And get it from Verizon. Verizon will have you pay a deductible, but a new phone will be sent to you directly, overnight. Wirefly may not do that.

 

wirefly or amazon.. they all the same... you get a better price online.. and sometimes you get unlucky with a bad device. you still get warranty through the carrier.

of course when you add 1 more layer between carrier and you... you just add more possibility of issues. and if you search online you will hear more negatives, because they have a reason to express their dislike.

Read the Return POLICY from the online seller!!!! they add their OWN cancellation clause!! with their OWN $$$ on top of the carriers $$$.