so before the ally i had the lg voyager, i had the 5.99 insurance on it, when i got the ally the ins. transferred over and still remains on my contract-my question is this-is it really worth having? i had issues with my phone when the update came around the other day long story short they said the ins. doesn't cover that. I don't use my phone for a whole bunch of things primarily the norm-calls, texts, but i do heavily use skype and email. I am wondering since the issues i've had (even back with the voyager) weren't covered by the ins. does it really benefit me to pay for it? or should i just get rid of it. TIA