I like the Curve but I am worried about 1) The service in the Tri-State Area (NY, NJ, CT) and 2) AT&T doesn't offer insurance. I would hate to pay $600-a$700 if I loose the phone. Any thoughts/opinions are greatly appreciated!!!

bmw, you should not have to pay 6-700 for the 8300

I'm just saying...its not as cheap as if the phone was covered under a insurance plan.

You can get your own insurance from like Asurion or have it on your homeowners or renters insurance, same difference.