You should never really buy a phone full retail from Verizon/Best Buy. Within a month or two from release you should be able to buy just about ANY phone new for around $300 or so on eBay or craigslist. So you might want to take that into consideration with your number crunching
Originally Posted by mankman
I baby my phones. I've never ruined a device (and I've had a good number of expensive phones - see sig). I don't know how much I've actually saved over the years not having insurance.
My Smartphone Journey: Treo 650 -> HTC 6700 -> Treo 700w -> Treo 700p -> Motorola Q -> BB 8830 -> Motorola Q9c -> BB Pearl -> Centro -> HTC Touch -> BB Pearl -> HTC Diamond -> Treo 800 -> BB Curve -> BB Storm -> BB Pearl Flip -> Palm Pre -> BB Tour -> BB Curve -> Moto Droid -> Fascinate