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Tuesday, August 21, 2007

Cell Phone Insurance: Is It REALLY Worth It?

Some companies estimate that 1 in 4 cell phones will be lost, stolen, or broken within the year. Due to the fear of loosing a $300-500 phone, many people choose to purchase cell phone insurance through their wireless provider or the company they purchase the phone through. The question: Is it REALLY worth it? Consider some of the facts below, crunch the numbers, and you will see that no, it generally is not.

Cost of Premiums - The premiums differ between providers. Insurance through AT&T Wireless, Verizon Wireless, and Alltel is provided by the third-party company Asurion, and costs $4.99 per month. Sprint/Nextel also uses Asurion, but charges $4 per month. NCOA coverage (which is what Wirefly.com sells) costs $50 for 12 months ($4.17/mo).

Cost of Premiums + the Deductible in case of Use - If the phone is lost/damaged/stolen, the deductible for any plan based on Asurion is $50. NCOA does not charge a deductible. If you have insurance through AT&T and lose the phone one time in a two year period, you will pay $169.76 for the insurance plan which replaced your phone ($4.99 x 24 + $50).

Cost of Replacing Your Phone Without Insurance - This is hard to nail down, as the price of phones is constantly changing, and every model has a different price. Keep in mind, however, that the insurance company has the choice to "repair or replace" your phone. Also, if they replace your phone, they can replace it with a REFURBISHED (used) model instead of a new one. AND if they don't have your specific model in stock, they can just give you a 'similar' model, which may not have all of the features of the phone you purchased. However, consider the cost of purchasing a new phone through such sites as Cellularblowout.com. The Motorola L6 is $105; Motorola Razr $125; LG Chocolate is $170; if you just need a phone, the Motorola v180 is $65. This ought to show how foolish cell phone insurance can be. Even through Wirefly, you would pay $100 over two years, and have very little protection for your investment! Remember, the prices above are for NEW phones, you will be given a REFURBISHED phone. Compare it this way. A new Samsung Blackjack costs $330, but REFURBISHED on eBay, the phone goes for around $200.

Generally, cell phone insurance just does not make sense. As an MSNBC article points out, "insurance might make sense for some people — those who are prone to drop their phone, get it wet or somehow disable it. “It might be useful if you happen to work on building skyscrapers and you tend to drop your phone 30 or 40 stories,” . . . . It could also come in handy if you’re buying a high-end PDA phone that would cost you $500 or $600 to replace.” However, remember that the service is not available for some phones, and is more expensive on high end phones for which coverage is available.

Cell Phone Insurance: Is It REALLY Worth It? Generally, NO
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Note: If you have had cell phone insurance through Asurion (sold by Cingular/AT&T, Sprint/Nextel, Verizon, and Alltel among others), and had to file a claim with them due to a lost/stolen/broken phone, and received a refurbished phone, you may be eligible to receive some compensation as part of a class action lawsuit settlement. Check here for more information.
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All Cell Phone Frugality Posts in this Series: Cell Phone Insurance: Is It REALLY Worth It?; Cutting Your Cell Phone Bill #1: Multiple Lines; Cutting Your Cell Phone Bill #2: Cutting the Minutes; Cutting Your Cell Phone Bill #3: Cut the Frills; Cutting Your Cell Phone Bill #4: TMTM - Too Many Text Messages; More Cell Phone Frugality
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Hello. I find your blog very interesting. I should say that at the present time there are so many companies offering warranty services. Some of them provide appropriate terms and conditions, others rob of their clients. On this great site www.pissedconsumer.com I found out about Asurion. People tend to complaint about the service provided but not that much.

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I began struggling on the higher levels because I
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them. Many games have role-playing incorporated and
from the young age kids quickly learn from your heroes they choose to be.



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Rather,all the applications keep running in the background although in a
low power state,utilizing both processing power and memory that leads to a lower battery life.
An alternate electrical power source reduces the probability that the
access technique will turn out to be inoperable via strength reduction and aid conserve battery lifestyle.
Mobile computing is continuously getting better with best performance, smarter
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The Federal Emergency Management Agency (FEMA) has made available
to communities literature which provides guidance and technical information educating communities on how to become disaster
resistant in the face of natural disasters. Remove other nearby wireless devices,
such as a cordless or cellular telephone and make
sure the mouse is at least eight inches away from a wireless keyboard.
Although, sound card is integrated device, it functions similar to brightness of the
screen when talking about power consumption.

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Pop the battery ribbon connector out and remove the battery, again held in with
a dab of glue. Hold your device on end to locate two small screws
on either side of the dock. Mobile computing is continuously
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Pop the battery ribbon connector out and remove the battery, again held in
with a dab of glue. Continually letting a battery drain will make it die much faster then
it normally would. Although, sound card is integrated device, it functions similar
to brightness of the screen when talking about power consumption.


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You could experience natural disasters like cyclone,
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