i called verizon, and they said you can also opt for the annual upgrade, you should check to see what your annual upgrade date is. If you do an annual upgrade, you can then get the phone at the discounted price, and not full retail.
lol its frustrating....if only I had known in September when I joined verizon and got a blackberry they had this The Droid coming !!
After 10 months on a contract your allowed an annual upgrade. Which in effect lets you sign on for another extended year and gives you the phone for the price that a new customer would get it work.