Go to the store in person. they will (at the very least) give you the one-year price, which is like $379. then $100 MIR it becomes $279...
if they're hesitant, give them a sob story about your current phone, and they will give you the "lost,stolen, or damaged" price (same as above).
i've upgraded no problem a few times before my contract was up.
good luck. the droid is nifty.