05-29-2013 05:16 PM
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  1. effreyj's Avatar
    Here's the thing with this...

    I saved $80 on the price of the phone because of tax and the discount. There's maybe a 5% chance that I have any issue within 181 days that causes me to have to pay this $400 fine. Therefore, if 1 out of every 20 times I'd have to pay the fine, and 19 out of every 20 times I'd get the discount with no fine, then I still come out well ahead.
    05-29-2013 03:57 PM
  2. effreyj's Avatar
    Here's the thing with this...

    I saved $80 on the price of the phone because of tax and the discount. There's maybe a 5% chance that I have any issue within 181 days that causes me to have to pay this $400 fine. Therefore, if 1 out of every 20 times I'd have to pay the fine, and 19 out of every 20 times I'd get the discount with no fine, then I still come out well ahead.
    Also, I feel the same way about purchasing insurance. You'd have to break about 1 out of every 3 phones you buy for the insurance to be worth it.
    05-29-2013 04:01 PM
  3. Jaycemiskel's Avatar
    Also, I feel the same way about purchasing insurance. You'd have to break about 1 out of every 3 phones you buy for the insurance to be worth it.
    All it takes is once. I've used my insurance for upgrades before too so to me it's been well worth it.

    Sent from my SCH-I545 using Tapatalk 4 Beta
    05-29-2013 04:07 PM
  4. effreyj's Avatar
    All it takes is once. I've used my insurance for upgrades before too so to me it's been well worth it.

    Sent from my SCH-I545 using Tapatalk 4 Beta
    I've had smartphones for 6 years and never have bought insurance and have never broken one. Even if I broke one now and had to pay $700, I'd still have spent less money overall than if I had bought insurance for the last 6 years for $100 a year plus a deductible.
    05-29-2013 04:31 PM
  5. Jaycemiskel's Avatar
    I don't break mine either, but if I get a scratch on the screen I have them send me a new one just because I can't stand looking at a scratched screen, and that can get expensive paying full price. Also, my wife ALWAYS breaks her phones and there's really nothing I can do about that so I keep it. Plus, usually if she's halfway through her contract they'll let her upgrade to the newest version of the phone she has. That's why she has a Droid 4 instead of a Droid 3 right now. If you never break your phone though, I can see why you wouldn't want to pay for it.

    Sent from my SCH-I545 using Tapatalk 4 Beta
    05-29-2013 05:16 PM
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