Is sprint REALLY cheaper than Verizon?

[HalizDad]

How is insurance a scam? You buy into it, then if your 600+ dollar phone has anything wrong with it orbit breaks for whatever reason, or even if you completely lose it or its stolen from you, you get a whole not her phone for less than a third of the cost.
I used to work in wireless and I can't tell you how many times a week we would have people getting their phones stolen. It's a regular thing these days.
Then with the rain, water damage has happened a lot lately, and some people actually lose their phone. Now the losing part is just irresponsibility, I've never "lost" a phone, I keep it too close to me. I've had one stolen at gunpoint but if it's something within my power it won't happen to me phone.
The real scam is having to pay 650 for a phone that costs about 200 to make

If you use the cost of the insurance versus the replacement cost of the phone, phone insurance is a bad deal. If the same ratio was applied to my house, my insurance rate would run me around $4000.00 a month for my home. More people own mobile phones than houses, so it would only make sense to drop that ratio (monthly insurance cost) since there is a deductible that would make my house deductible around $36000.00 before I could file a claim on it. For every irresponsible person who files a phone claim, there are many more who don't, yet pay into the pot. The phone insurance companies make a nice dime, and it has been discussed thoroughly by everyone from CNN/MSNBC to Consumer Reports, and the WSJ.

 

[dpham00]

If you use the cost of the insurance versus the replacement cost of the phone, phone insurance is a bad deal. If the same ratio was applied to my house, my insurance rate would run me around $4000.00 a month for my home. More people own mobile phones than houses, so it would only make sense to drop that ratio (monthly insurance cost) since there is a deductible that would make my house deductible around $36000.00 before I could file a claim on it. For every irresponsible person who files a phone claim, there are many more who don't, yet pay into the pot. The phone insurance companies make a nice dime, and it has been discussed thoroughly by everyone from CNN/MSNBC to Consumer Reports, and the WSJ.

Insurance companies are in it to make money, no doubt. That's the point of the business. But it should also be mentioned that the percentage of people who make a claim for loss or damaged phones is a lot higher than the percentage of people who claim their house has been burned to the ground or some other major claim.

My eq insurance has a 10-15% deductible...

Also best buy offers insurance with no deductible and no claim limit.

At the end of the day, each person must decide whether or not to get insurance, weight the benefits and risks. Can you deal with the loss of a phone financially?

Sent from my Verizon Samsung Galaxy Note II

 

[Almeuit]

Can you please move your T-mobile love fest to the proper forum?

My sister in law tried T-mobile. It was awesome until she got 1 mile out of town and then got no signal whatsoever! Take a good look at the T-mobile coverage map before switching. Ymmv!

Sorry it is kind of wrong but we were trying to stay on topic. I was just mentioning how I think T-Mobile can be the cheapest versus the others since we have been comparing. Hawaii was just asking since he knew I liked Sprint.

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[Mellimel22]

Sorry it is kind of wrong but we were trying to stay on topic. I was just mentioning how I think T-Mobile can be the cheapest versus the others since we have been comparing. Hawaii was just asking since he knew I liked Sprint.

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On everything I was about to say the same thing.

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[dpham00]

Sorry it is kind of wrong but we were trying to stay on topic. I was just mentioning how I think T-Mobile can be the cheapest versus the others since we have been comparing. Hawaii was just asking since he knew I liked Sprint.

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Depending on your uses, I can have verizon with 5 lines, 1 smartphone cheaper than a single tmo unlimited data line with jump

Sent from my Verizon Samsung Galaxy Note II

 

[Almeuit]

Depending on your uses, I can have verizon with 5 lines, 1 smartphone cheaper than a single tmo unlimited data line with jump

Sent from my Verizon Samsung Galaxy Note II

You count discounts though. If you count no discounts (since everyone doesn't have them) and strictly go on cost $70 for fully unlimited is pretty dang cheap.

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[dpham00]

You count discounts though. If you count no discounts (since everyone doesn't have them) and strictly go on cost $70 for fully unlimited is pretty dang cheap.

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The pricing doesn't include discount or taxes or fees, since those can vary

Sent from my Verizon Samsung Galaxy Note II

 

[cowboys2000]

All three of the Sprint lines have unlimited data and I can get discounted upgrades.

As of today, the S4 is BOGO at $199. I could upgrade one of the lines, and either add a line or bring my line back.

 

[HalizDad]

Insurance companies are in it to make money, no doubt. That's the point of the business. But it should also be mentioned that the percentage of people who make a claim for loss or damaged phones is a lot higher than the percentage of people who claim their house has been burned to the ground or some other major claim. There are way more insured phones than people make claims for, just like houses. However, if ONE house burns down and costs $313k to replace, say....MINE, how many smartphones can be repaired for the cost of that ONE house? You're trying to use SOME numbers, but failing to account for cost. My homeowners insurance with replacement value for the stuff inside is $475k, and runs me $165.00 a month. Colorado Springs just lost 350+ homes, all in the half-million dollar range. BTW, a LOT of homes burn to the ground every year. The cost is way more than every cellphone claimed for damage.

My eq insurance has a 10-15% deductible... $1.00 = $2878.00 worth of my home and furnishings in coverage. I will live in my home for 30+ years, so a claim is more likely than on my phone which I will own for maybe a year. $6.00 - $11.00 a month for $700.00 worth of coverage is ludicrous. If the same cost ratio were applied to my home, my homeowners insurance would be somewhere between $990.00 a month and $1815.00 a month. My mortgage payment is only $1535.00 a month.(less insurance)

Also best buy offers insurance with no deductible and no claim limit.

At the end of the day, each person must decide whether or not to get insurance, weight the benefits and risks. Can you deal with the loss of a phone financially? Yes, I'm happy to say, I can.

Sent from my Verizon Samsung Galaxy Note II

Sorry to take it off topic, but...

 

[Terry M1]

The Spending Limit Fee is NOT B.S. It is a fee charged to people with a bad credit history, or a history of repetitively paying your bills after their due date. That is, unless you sign up for automatic payments.

This is your own fault for creating your own bad credit. Start paying off your loans and start paying your bills on time to get your credit rating up to normal, then you won't have this problem.

 

[rdubmu]

T-Mobile hspa+ network is just as fast as LTE in some markets. I was getting 15 down on hspa+ in Seattle and 30 down on LTE with tmobile. On Verizon my brother in law was only getting 6down on LTE. OUCH. My AT&T line gets about 12 down on LTE.

I would go for tmobile as they have the best prices and if you aren't getting LTE, HSPA+ is pretty fast

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[dpham00]

T-Mobile hspa+ network is just as fast as LTE in some markets. I was getting 15 down on hspa+ in Seattle and 30 down on LTE with tmobile. On Verizon my brother in law was only getting 6down on LTE. OUCH. My AT&T line gets about 12 down on LTE.

I would go for tmobile as they have the best prices and if you aren't getting LTE, HSPA+ is pretty fast

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It depends on where and when. I have seen fast speeds and slow on Verizon. If it good service where you need, then that is the right carrier for you.

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[Almeuit]

It depends on where and when. I have seen fast speeds and slow on Verizon. If it good service where you need, then that is the right carrier for you.

Sent from my Verizon Samsung Galaxy Note 3 via Tapatalk Pro

Are those all LTE tests? If so they obviously throttle during the day hard-core... :what:

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[dpham00]

Are those all LTE tests? If so they obviously throttle during the day hard-core... :what:

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On overloaded tower at work. Verizon claims that they don't throttle 4GLTE devices. Here is one near my house. Of note, AT&T and tmobile have issues where I work, dropped calls and signal, or areas of no signal. This is in a densely populated urban area.

Even if Verizon throttled, I would live with throttled vs. No or weak service on other carriers. And throttled should be just slow, there were a few times when nothing would load leading me to believe that it is an overloaded tower, but that is pretty infrequent.

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[Almeuit]

On overloaded tower at work. Verizon claims that they don't throttle 4GLTE devices. Here is one near my house. Of note, AT&T and tmobile have issues where I work, dropped calls and signal, or areas of no signal. This is in a densely populated urban area.

Even if Verizon throttled, I would live with throttled vs. No or weak service on other carriers. And throttled should be just slow, there were a few times when nothing would load leading me to believe that it is an overloaded tower, but that is pretty infrequent.

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They have admitted they throttle unlimited customers first if the network slows. So that's probably what's going on at your work.

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[dpham00]

They have admitted they throttle unlimited customers first if the network slows. So that's probably what's going on at your work.

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Do you have a link? My understanding is that Verizon doesn't throttle 4GLTE devices.

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[Almeuit]

Do you have a link? My understanding is that Verizon doesn't throttle 4GLTE devices.

Sent from my Verizon Samsung Galaxy Note 3 via Tapatalk Pro

Ah yeah the said it was only 3g devices... My bad.

Either way if that's congestion... They need to get a handle on that. 60 to 3 Mbit.. Just.. Way to drastic.

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[dpham00]

Ah yeah the said it was only 3g devices... My bad.

Either way if that's congestion... They need to get a handle on that. 60 to 3 Mbit.. Just.. Way to drastic.

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Absolutely, I agree with you. But I don't have any other viable option at my work. Hopefully once they get aws running, speeds should be better.

But to clarify, they are in different locations. Obviously speeds are way better at off peak at work too

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[jmy7213]

The Spending Limit Fee is NOT B.S. It is a fee charged to people with a bad credit history, or a history of repetitively paying your bills after their due date. That is, unless you sign up for automatic payments.

This is your own fault for creating your own bad credit. Start paying off your loans and start paying your bills on time to get your credit rating up to normal, then you won't have this problem.

Well that's not true about it being a credit thing. I have to pay the stupid spending limit thing and I had no deposit. I just refuse to to the auto pay. I like to pay my bills myself.


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[STARGATE]

Well that's not true about it being a credit thing. I have to pay the stupid spending limit thing and I had no deposit. I just refuse to to the auto pay. I like to pay my bills myself.


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Heck yea!

Sent From Inside The TARDIS in a Galaxy S4 Away!