You might look around at other places other than Verizon to extend your contract. I'm not saying to switch carriers, but to look at other Verizon authorized dealers, or even online places that are an agent for Verizon, and you might find the same phones, same terms at a lower price.
For T-Mobile I found Sam's Club had a better deal to extend my contract than dealing directly with T-Mobile.
It's worth a shot.
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