Insurance?

Discussion in 'Android General Discussions' started by CMDRSTP, Jun 26, 2012.

  1. CMDRSTP

    CMDRSTP Member

    Joined:
    Jun 2, 2012
    Messages:
    158
    Likes Received:
    2
    Trophy Points:
    18
    Location:
    UPSTATE NEW YORK
    Ratings:
    +2
    I have a Razr Maxx and insurance. Not that I ever intend to use it, I was curious about the replacement quality. Are they always refurbished?

    My last phone was an LG Dare (don't laugh) that was replaced. The replacement seemed to have few quirks that developed a few months after receiving it. It never preformed like the original one. Maybe it was just that particular phone.

    Not that I would have a choice but, is there a way to receive a new replacement rather than a refurbished one if the need arises?
     
  2. 94lt1

    94lt1 Super Moderator
    Staff Member Premium Member

    Joined:
    Jan 16, 2012
    Messages:
    17,152
    Likes Received:
    4,040
    Trophy Points:
    1,138
    Location:
    SE TX
    Ratings:
    +4,530
    Current Phone Model:
    Droid Turbo 2
    It depends, some have received brand new in box phones, others I've heard, have received refurbs... idk for sure.

    DROID RAZR MAXXIMIZED!!!! PREPARE TO BE VANQUISHED!!!
     
  3. nel262

    nel262 New Member

    Joined:
    Jun 26, 2012
    Messages:
    1
    Likes Received:
    0
    Trophy Points:
    1
    Ratings:
    +0
    My daughter has an i-phone 4.she dropped it ,cracked the screen and they gave her anew one.It was maybe 9mos.old.I guess it will all depend on the person handling your issue.I now have a droid razr and broke the screen,no insurance.They want $600 for a new one!Not from me.We got these phones on a promo 2 for $200,can't see paying $600 for one.Now I'm stuck looking for parts.
     
  4. CMDRSTP

    CMDRSTP Member

    Joined:
    Jun 2, 2012
    Messages:
    158
    Likes Received:
    2
    Trophy Points:
    18
    Location:
    UPSTATE NEW YORK
    Ratings:
    +2
    Sorry to hear about that nel262.

    Especially considering how expensive these things are, I will always have insurance....even if means a refurbished one. But, I was hoping there was a policy that guaranteed new.
     
  5. hyisbm

    hyisbm Member

    Joined:
    Jun 27, 2010
    Messages:
    32
    Likes Received:
    0
    Trophy Points:
    6
    Ratings:
    +0
    were usually pretty good about protecting our phones(just upgraded from original droid to the maxx) & with the unlimited data fiasco, I'm going to have to rethink whether or not it's worth it to have insurance. If you stick with the NE2 idea that would mean you have spent about $200 on insurance in two years. Then to keep unlimited data I would have to still buy a new phone at full price and if the new phones are still around $600 it's just not going to be pretty. Multiply that by the number of lines in your household and it just gets worse.

    I'm thinking about just having a savings account just for the phone now. Saving $20 - $30 a month and I can either upgrade every year or have enough saved for a new phone after two years. Paying for insurance, then the deductible, and getting a used or refurbished phone in the end is not going to cut it.
     
  6. LifeIsABeach

    LifeIsABeach Active Member

    Joined:
    Nov 2, 2009
    Messages:
    1,283
    Likes Received:
    0
    Trophy Points:
    36
    Ratings:
    +0
    I have insurance on my OG Droid. Bought it the first day it was available so insurance has probably cost me more than enough to buy a new phone at this point. When I pre-ordered my Galaxy III I dropped the insurance.
     
  7. CMDRSTP

    CMDRSTP Member

    Joined:
    Jun 2, 2012
    Messages:
    158
    Likes Received:
    2
    Trophy Points:
    18
    Location:
    UPSTATE NEW YORK
    Ratings:
    +2
    $7.99/month x 2 years + $50 deductible = $241.76......seems way less than having to buy a new phone out of pocket (even if refurbished) if an accident happens.

    I don't have the unlimited data plan.
     
  8. Beka27

    Beka27 Active Member

    Joined:
    Nov 29, 2010
    Messages:
    1,458
    Likes Received:
    6
    Trophy Points:
    38
    Location:
    Cleveland Ohio
    Ratings:
    +6
    My insurance deductible is $99 through Asurion. I believe the monthly cost went down to $6 something but they raised the deductible 50 bucks... I think sometime last year? But I understand your point. And it doesn't even matter how "careful" you are. My brother's phone was stolen in broad daylight and he was right there. Phones fall, drinks spill, in short... *stuff* happens.

    My brother had to get his insurance phone just over a month ago b/c he was waiting for news on the S3. He could have just gotten something else but he knew what he wanted and wouldn't settle. And now he has a functioning backup DX.
     
  9. CMDRSTP

    CMDRSTP Member

    Joined:
    Jun 2, 2012
    Messages:
    158
    Likes Received:
    2
    Trophy Points:
    18
    Location:
    UPSTATE NEW YORK
    Ratings:
    +2
    I agree, Beka27. You never know. And, with the prices these phones go for now a days....price of a laptop.

    Has anyone heard of an insurance plan, other than through Verizon, that replaces with a new phone (not refurbished). I want to say my girlfriend heard of something like this while we were in Indy.
     
    #9 CMDRSTP, Jun 27, 2012
    Last edited: Jun 27, 2012
  10. Beka27

    Beka27 Active Member

    Joined:
    Nov 29, 2010
    Messages:
    1,458
    Likes Received:
    6
    Trophy Points:
    38
    Location:
    Cleveland Ohio
    Ratings:
    +6
    I know there are 3rd party insurers but I've always just used Asurion (b/c it's easy?) so I don't know the policies of other companies. I'd be interested to know if someone has found one. (Or even a company that cuts you a check for a prorated amount based on months of service so you can then go buy your own new phone.)