said by megatron266:All carriers should drop the whole upgrade program and stop providing the handsets along with the warranty programs and insurance programs. They need to put this back on the phone makers along with the warranty programs and the mobile phone insurance companies. Let the cell phone makers compete in selling their own product and do like Dell does. Design your own phone with the specs/carrier you want and buy it full price from them. If the makers of the phones want to sell more of them then they would need to lower the prices to make them more affordable.
Once you buy your phone then you call the carrier you selected the phone to work on and open an account. Get a promotional plan or service then wait for your contract.
You want insurance? Here call this number for insurance pricing. Need to make an insurance claim? Here is the number to Samsung or Apple.
This would be my cell phone company if I had one.
These companies make money on the insurance scam they currently offer. I used to pay for insurance until I actually had to try and use it a couple of times. You might as well take the money and save it yourself.