02-20-2007, 08:23 AM
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| | Worth it to get Insurance on Pearl for T-mobile?
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Since I just got the phone I have a couple more days to decide if I should get insurance or not. Tmobile allows you to only get insurance within the first 7 days of purchase, after that you can never get insurance.
So should I get it? I can't decide if its financially worth it. Its 5.99 a month I think, but its a $110 deductible. Now, if I break it in the first two months, its worth it since the phone is still new and on ebay its still going for 300-400. However, after a year, that'll almost be $100 in monthly payments, plus the deductible will make the total to get the Pearl replaced about $200. I would think by a year from now the Pearl will be much cheaper, infact I'm sure there will be a better veriosn of the Pearl out there, like with GPS or something. So then I might as well pay the 400 then to get that new phone if my Pearl is damaged, right?
What do you guys think? One thing to add is that I'm a big cell phone junkie and I buy a new phone every year. I was on Verizon so after 1 year you're eligible to get a new phone thru an early upgrade so I'd always get a new phone and spend about 200 to do so.