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When I broke my flip phone four years ago (back when a flip phone was state of the art!) I didn't have insurance but they only charged me $50 to replace it. I would check with the Verizon store. Your monthly fees are probably worth more to them then a replacement Droid.
I called 611 and they said im eligable for a $20 early upgrade. Too bad they are not carrying the Droid anymore. Now I have to decide if im taking my girlfriend's Droid and giving her a Droid 2, Droid X, or Incrediable.