Is paying for insurance for a cellphone still worth it?

[JordanWearinThe45]

i sat back and thought about it yesterday, I haven't lost a cellphone or cracked a screen in about 9-10 years :ohh: the fukk am I paying insurance for? I was having problems with my iPhone, went to tmobile and they said I gotta go to apple now for problems with my phone. Spoke with a rep @ the store and he said it's only $120 something for a new screen. And if I want, I can buy insurance from them, and it's $129 and covers the phone for 2 years(still has a deductible).

I'm about to camel that both like Nino, what y'all think? Y'all still payin for insurance?

 

[Optimus Prime]

ATT's is still good i believe. My sister cracked her S4 Note screen and i tried to replace it.
My screen replacement skills let me down and i pretty much destroyed the phone
so i was just going to buy her a new one at the ATT store and they informed her that she had been paying insurance and told us to go to the replacement website and file a claim. It took less than five minutes to file a claim, she was able to pick a new S4 Note and she got the phone next day air:mjshrug1:

 

[winb83]

i sat back and thought about it yesterday, I haven't lost a cellphone or cracked a screen in about 9-10 years :ohh: the fukk am I paying insurance for? I was having problems with my iPhone, went to tmobile and they said I gotta go to apple now for problems with my phone. Spoke with a rep @ the store and he said it's only $120 something for a new screen. And if I want, I can buy insurance from them, and it's $129 and covers the phone for 2 years(still has a deductible).

I'm about to camel that both like Nino, what y'all think? Y'all still payin for insurance?

No it's never worth it if you take care of your phone. From the Palm Pre to the iPhone 6s I've broken exactly 1 cell phone
Palm Pre
HTC EVO
HTC EVO 3D ( I broke the charger port and traded the phone in still for the next one)
HTC EVO 4G LTE
iPhone 5
Galaxy S5
iPhone 6
Galaxy S6
iPhone 6s

I've had all those phones and like I said I've never needed insurance. The only insurance you really need in life is on your health, home, and car. Most of the rest of insurance is a scam. After the deductible and the monthly payments you might as well just but another phone yourself.

 

[ORDER_66]

Insurance for a cell phone???? Unless the phone is defective out the box its not needed...

 

[StatUS]

Not if don't break it or lose it. But that's insurance.

 

[delta]

I don't buy new phones every year b/c I think smartphones hit they bubble but insurance is absolutely a good deal.

Alotta of these phone might have manufracturing defects like a loose charging port, SIM card slot or small shyt. It's only $129...

Personally, I've never broke a phone that had a dual layer case on it.

 

[winb83]

I don't buy new phones every year b/c I think smartphones hit they bubble but insurance is absolutely a good deal.

Alotta of these phone might have manufracturing defects like a loose charging port, SIM card slot or small shyt. It's only $129...

Personally, I've never broke a phone that had a dual layer case on it.

They have 1 year warranties that cover that. Buy it with an American Express card or Discover card and they double manufacture warranties.

 

[ORDER_66]

I never needed insurance on any phone... it seems like a scam..

 

[CrimsonTider]

Yes

 

[.༼-◕_◕-༽.]

I buy the Apple Care or SquareTrade but monthly-- insert Chief Keef naw gif

 

[Heretic]

I pay my cell phone bill with my credit card and I automatically get coverage through that for free. Might want to check into your terms and conditions if you pay that way.

 

[Czerka]

I pay my cell phone bill with my credit card and I automatically get coverage through that for free. Might want to check into your terms and conditions if you pay that way.

which card?

 

[scarlxrd]

Just buy a heavy duty case and screen protector. Unless you drop it in water or get sand in it, you shouldn't have a problem.

 

[NoMorePie]

It is worth it if you plan on keeping that phone for a while.

I purchase new phones like very half a year so for me, insurance is useless

 

[Heretic]

which card?

I have a wells Fargo amex and citibank visa they both offer it