Want to get your thoughts on it as I have to deal with it soon. It is something like $15 per month I have a flip phone and the MRS. a smart phone which is older and paid for. Seems on the terms there is a high deductible but a smart phone is like $800 or some such to buy. I my self am not keeping up with all the latest cell phone stuff and plans. I have never been a big fan of insuring small items or extended warrantee's. Kind of wondering if it fallows dad's proverbs 1. insurance "ever notice you pay in more than you ever collect" and 2. A "fool and his money are soon parted" Thanks to all who reply
- Thread starter JOCCO
- Start date
jon f mn
Well-known Member
I put insurance on about half the phones I've bought. Don't what made me chose to do it sometimes and not others. Every time I've had insurance I've either lost or busted the phone, when I didn't have it it didn't happen. The first one I insured I had for 3 days and left it in a truck stop restroom, I noticed it missing within about 10 minutes and went back, but it was gone. That one pinged a steady trip right straight to Mexico. Lol. I never bought one with a case so big it wouldn't fit in my shirt pocket again. Can't say I intentionally treated them different, was just a coincidence. But that is my experience.
Check on what the insurance actually pays. My son had one plan that only covered one phone every two years. He had one fail sooner then the plan would cover. So They just refunded him the premium rather than pay for a replacement phone.
Also watch where you buy the insurance. Some is store/chain specific if they are an independent seller. I found this out the hard way. I currently have a Verizon phone. In Clinton Iowa there is a Verizon store right by where you wait to dump corn. So When my phone was up to be replaced I just stopped there. Wrong move. That store is an independently owned store. They switched the insurance when I got the new phone. I could not have replacement phones sent to my home. I had to exchange them at the store or one of there other stores which where all in IL.
Also watch where you buy the insurance. Some is store/chain specific if they are an independent seller. I found this out the hard way. I currently have a Verizon phone. In Clinton Iowa there is a Verizon store right by where you wait to dump corn. So When my phone was up to be replaced I just stopped there. Wrong move. That store is an independently owned store. They switched the insurance when I got the new phone. I could not have replacement phones sent to my home. I had to exchange them at the store or one of there other stores which where all in IL.
Flip phones are about $75.00. I just got a lg smart phone for $150. I'm not trying to impress anyone with my phone. Just paid it in full at the store. If it breaks I will buy another cheap enough. Last one I had I had for four years with insurance never used the insurance so I will take the risk.
Check with your regular insurance carrier. Wife?s phone and computer are insured on farm account for minimal $$$.
I buy used 1 model old phones online for myself. Usually about $200 for a smart phone. I don?t insure them. I also keep a couple old ones around if they are still working when we upgraded. Makes for a quick switch backup if you need one.
I buy used 1 model old phones online for myself. Usually about $200 for a smart phone. I don?t insure them. I also keep a couple old ones around if they are still working when we upgraded. Makes for a quick switch backup if you need one.
rockyridgefarm
Well-known Member
My wife an I have had the same carrier since 2002. We finally went to smart phones a year and a half ago. When we bought our phones we wanted to pay upfront, but the store wanted us to do the monthly payments. When I insisted on paying in full, they gave me a price that was actually higher to pay outright versus over the course of a year. I think they do it because they want you to get used to paying a higher bill and get used to changing phones yearly.
We’ve never had insurance on our phones. When we started asking questions, it turned out to not be cost effective. 15 buck a month is 180 a year. You can usually get a used phone or repair your phone for less than that. I cracked my screen and it cost me 125 have it replaced. I’ve had a year an a half, so I would have paid a quite a bit more.
Obviously the insurer is betting that you do not have a claim and you are betting that you will. Since they write the policy, they have the advantage.
john in la
Well-known Member
When I got rid of my flip phone and got a smart phone a month ago I bought a new in the box I-Phone 6 for $100 and a otter box for $35 from Walmart.
I can not see any reason to buy insurance.
Now if you need the latest $800 or $1000 phone you might consider insurance.
I can not see any reason to buy insurance.
Now if you need the latest $800 or $1000 phone you might consider insurance.
Crazy Horse
Well-known Member
Insurance is a funny thing. People take it out and then regret not collecting on it and then consider it a bad investment. Well, OK for a phone but I hope nobody thinks the same way about his own life insurance policy.
Traditional Farmer
Well-known Member
- Location
- Virginia
I have a cell pone from Walmart cost me $12.99 and pay $15 month for 300 minutes and no insurance(LOL)
caterpillar guy
Well-known Member
I've had insurance for mine and use it about every year. The cost to replace them got prohibitive on some of them as often as I replaced them due to breakage. I have always used flip phones as of now. I have been looking at being able to use them for GPS guidance in the field so have been looking at that possible option. If I go that route then I have to go to a stupid phone. I have a drawer full of old broken phones over the last 20 years.
I'm inbetween phones right now looking at that Gps deal.
I'm inbetween phones right now looking at that Gps deal.
as others have said there are pros and cons. ready the "policy" first to see what is actually covers and when.
we have had it on and off on our verizon phones. we didn't know it but it covers the phone but also gives you an extended warranty with verizon. our daughters phone was acting up and it turns out it was a bad battery that had swollen up and was putting pressure on the case and circuit boards causing it to act up. since we had the insurance and it was a problem with the phone, not damage, it was replaced with the same or equivalent better phone. she got a new phone a couple days later. no issues. it was then next model up ##+ instead of the ## that she had. so in this case it worked out in our favor. otherwise the old phone was just old enough that it was past its warranty and we would have had to get something newer.
we have had it on and off on our verizon phones. we didn't know it but it covers the phone but also gives you an extended warranty with verizon. our daughters phone was acting up and it turns out it was a bad battery that had swollen up and was putting pressure on the case and circuit boards causing it to act up. since we had the insurance and it was a problem with the phone, not damage, it was replaced with the same or equivalent better phone. she got a new phone a couple days later. no issues. it was then next model up ##+ instead of the ## that she had. so in this case it worked out in our favor. otherwise the old phone was just old enough that it was past its warranty and we would have had to get something newer.
I always buy cheap phones. Last flip was 7 years ago, $12, still works. Smartphones, last ones over the past several years were $10, $30, $35, and current was $50. All new. They do almost everything an expensive one does, just not as great of screen or camera, but still good.
Currently, there's a deal on this one. Ip68 water and dust resistant. Unlocked, works on all the carriers. Warranty option is on the page, including accidental, if you want it. Good screen and decent camera.
Walmart has it online too, but was about out of stock when I looked.
https://www.amazon.com/dp/B076M17ZGF
Currently, there's a deal on this one. Ip68 water and dust resistant. Unlocked, works on all the carriers. Warranty option is on the page, including accidental, if you want it. Good screen and decent camera.
Walmart has it online too, but was about out of stock when I looked.
https://www.amazon.com/dp/B076M17ZGF
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