Yeah I've never been a fan of insurance. Usually the cost isn't worth it.
I wouldn't go that far. You walk out of a store with an $800 phone and lose it, better to pay $300 for another one than have nothing. I think the deductible has to be substantial to prevent abuse.
Maybe the key is the phones are overpriced and maybe we don't, need an $800 phone, which ends up costing over $1,000. I'm very happy with my fixed Note 2 that's a smooth as new and the only thing, for all practical purposes, that's different is the camera. The camera on the lg v10 that I bought was incredible. But how incredible do you think it was compared to a real camera or even a camera that you could buy for two hundred bucks? I know there is a convenience to having a better camera in your phone but it's still not good camera quality no matter what anyone says, even the v10 or the 6p Plus or the note 5. The lenses are crap compared to glass lenses from a real camera.
Plus, for my note 2, I have four batteries and two wall chargers, no insurance, no payments and it works great. I think dollar for dollar, the Note 2 might have been one of the best phones ever made, especially with its exchangeable batteries and micro SD card slot.
I was just listening to Dan Brown's "Inferno" on the phone and it is clear as a bell. I don't really know what else are must haves for me. Yes it is true 4 gigabytes is better than 2 gigabytes but if you manage the phone properly, and in this case everything is working as crisp as new, if I was really missing something I'd realize it all the time.
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