if you can live without a cell for a week or so....them just call up add insurance....wait a week or two call up and say u dropped it and ran it over with your car by mistake on your driveway.... ...that's how i got a new strom last yr when i forgot to add insurance ...
I didn't know insurance could be added after you had purchased your Droid for a certain period. I may look into this as I have no insurance and have thought this may have been a mistake for some time now.