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I just got the best buy insurance plan last tuesday because my phone fell n i got chips on it >.>.
but than decided if i get a full body screen protector plus a case(case on the way from ebay =D) i dont think ill be needing the best buy one.
because it is 10$ a month... do you guys think its worth it.
btw is the zagg full max worth it because i am getting it for 12 dollars..
read my post here:
forum.xda-developers.com/showthread.php?t=741045&page=6
sorry i can't post links
Just think, if you keep your phone two years... $240 on insurance.
Half the cost of the phone.
It's almost ALWAYS a better investment to spend the $20 on a case and then pocket the $10/mo into your own personal "insurance fund".
True.. Because today im going to best buy n decide there.
Well wht about the att one.. How does it par even though it has deductibles
acandia007 said:
True.. Because today im going to best buy n decide there.
Well wht about the att one.. How does it par even though it has deductibles
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$125 deductible... $5 a month is half as much, so $120 over two years. $120+$125= $245
It's a wash but based on the fact the BB doesn't have deductibles it might be cheaper if you have to replace it twice.
But all in all, you can insure yourself to death, I vote just get a $20 case and call it good.
you guys are funny.......
www.squaretrade.com
and stop overpaying for insurance on electronics!!!! use www.RetailMeNot.com to get coupon codes, seriously people.......
I have it because cases are gay.
GarciaM25 said:
you guys are funny.......
www.squaretrade.com
and stop overpaying for insurance on electronics!!!! use www.RetailMeNot.com to get coupon codes, seriously people.......
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ST only insures the money spent on the device, not the device itself. Check facts before posting.
Also, BB warranties obviously only apply to BB purchased devices.
TexUs said:
ST only insures the money spent on the device, not the device itself. Check facts before posting.
Also, BB warranties obviously only apply to BB purchased devices.
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ummmmmm, WHAT? so you're telling me that when my TyTN II died the first time under SquareTrade's warranty and I paid $750 for it, giving me back $750 after a year and a half was........ not what I wanted? Check YOUR facts before rambling....
GarciaM25 said:
ummmmmm, WHAT? so you're telling me that when my TyTN II died the first time under SquareTrade's warranty and I paid $750 for it, giving me back $750 after a year and a half was........ not what I wanted? Check YOUR facts before rambling....
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I bought my Captivate on a pricing error for $299.
Guess how much SquareTrade will cover? $299. If my device dies, they'll cut me a check for $299 because the retail $499 price is too expensive.
So check YOUR facts, please.
Let's also assume a $499 device had a $300 repair done to it. They devalue your coverage by that much, so now you've only got $199 left. So now let's say your device breaks completely. Well, you've only got $199 coverage left, they'll cut you a check for $199 and you're SOL on the rest.
Again, like I said earlier, they insure your money invested, not the device. So please stop talking out of your ass when you have no idea.
Insurance is always offered at a rate which would make the provider money. So no, you couldn't convince me that any phone insurance out there is "worth it."
TexUs said:
I bought my Captivate on a pricing error for $299.
Guess how much SquareTrade will cover? $299. If my device dies, they'll cut me a check for $299 because the retail $499 price is too expensive.
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CLOSE, but they don't cover the $299 because $499 is too expensive, moron, they cover it because THAT'S WHAT YOU PAID! You don't go to the dealership and buy a $40K car then tell your insurance company "well, it's worth $80K, but I got a good deal on it because of a pricing error" - sucks you couldn't buy it for $275 like everyone else who early upgraded
How do you think insurance works? Seriously, what the hell.....
TexUs said:
Let's also assume a $499 device had a $300 repair done to it. They devalue your coverage by that much, so now you've only got $199 left. So now let's say your device breaks completely. Well, you've only got $199 coverage left, they'll cut you a check for $199 and you're SOL on the rest.
Again, like I said earlier, they insure your money invested, not the device. So please stop talking out of your ass when you have no idea.
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Where are you getting this information from??? Here's how it REALLY works since you're just going to make up whatever the hell you want here..... I bought a $750 TyTN II and insured it for the full amount I paid. After a year and a half, my keyboard buttons started sticking - called them up, they said they could fix it in 5 days or refund my purchase price if they couldn't (the full $750!), just how it states on their website. They sent the phone back with the Tilt keyboard instead, and the buttons were in the wrong place, so I sent it back to fix it right or pay me the $750. They couldn't get the keyboard in the 5 days, so they sent me $750 back to my PayPal account!!!!!! Furthermore, since they screwed up, they also added in the purchase price of the warranty which they have NO problems doing (they refunded it back to me on a separate occasion too, but your little brain can't process that much info all at once). Directly from their website:
100% Parts & Labor Coverage with Zero Deductibles.
We pay you full item cost if item can't be fixed.
A $50 deductible applies on ADH-related claims for Cell Phones only.
Reimburse: For most items below $500, or it's going to take too long or is too expensive to fix, we'll pay you the replacement price of your item. We give you a free shipping label to make it easy to send in your item. Once you've shipped your item to our service depot, we will repair it within 3-5 days and then ship it back to you at no cost to you.
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So WHERE do you get the fact that once they do a service (replace my keyboard) that they deduct the money involved in the service??? They cancel the warranty if your plan requires a refund of the purchase price of the device, but that has NOTHING to do with subtracting the amount of money spent in repairs........
GarciaM25 said:
CLOSE, but they don't cover the $299 because $499 is too expensive, moron, they cover it because THAT'S WHAT YOU PAID!
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Exactly like I originally stated. They warrant the amount invested but not the device.
GarciaM25 said:
You are such a BS'er - where are you getting this information from???
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How about their own terms?
Now maybe perhaps you can shut the hell up and go back to being ignorant.
Mechanical and electrical failures that occur during normal use of your item. Your item is covered for up to the full purchase price of your item (tax and shipping are excluded).
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The total value of your warranty is in most cases equal to the purchase price of your item. For every valid claim filed against your item for which we provide repair services, the total value of your coverage is reduced by the cost of the repair services rendered. In the event a valid claim is filed with us and repair costs are estimated to exceed the current value of your warranty - the balance of your warranty value will be offered instead.
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In the case of Squaretrade, you can always go up to the $599 device plan and they will pay for your $499 device if need be.
They have multiple tiers. I'm thinking of getting the middle tier for their smartphones and if I need to, and I'll pay the difference if it's above that amount to replace that phone.
gerbick said:
In the case of Squaretrade, you can always go up to the $599 device plan and they will pay for your $499 device if need be.
They have multiple tiers. I'm thinking of getting the middle tier for their smartphones and if I need to, and I'll pay the difference if it's above that amount to replace that phone.
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Wrong.
What part of "Your item is covered for up to the full purchase price" do you not understand?
In the case of subsidy, the "full purchase price" will be the MSRP (which is shown on your receipt), but outside of that "full purchase price" is the amount paid.
thedon809 said:
I have it because cases are gay.
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Me too
Sent from my captivate
I have no case and no insurance.... I will deal with things as they happen. I hate cases, and I find the cost of insurance to high; over the 2 year life of the phone contract I would be paying for a second phone (at subsidized rates).
No other products have such high insurance rates. You don't pay $20,000 in insurance fees over the loan period of a car (5 years) or even over the normal usage duration (10 years) of a car.
But small personal electronics are lost and dropped in toilets all the time (apparently) so the insurance companies have to be able to cover all these people and not go out of business.
The best strategy is to buy these things when they are 6 months old and get the By One Get One offer - then you have a backup.
TexUs said:
Wrong.
What part of "Your item is covered for up to the full purchase price" do you not understand?
In the case of subsidy, the "full purchase price" will be the MSRP (which is shown on your receipt), but outside of that "full purchase price" is the amount paid.
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Click to collapse
Insurance at $144 or so covers $599 via their Premium Smartphone insurance. You paid $499 for the Captivate without subsidy. Last I checked, $499 is less than $599.
So you would be covered for $499 when/if the need arises.
ill try to be impartial answering this. yes its worth it. 240 over 2 years may be half the price of the phone, but thats still less than full price of the phone if you want to buy it outright after destroying it.
no deductible, no limit to claims. only thing my customers dislike is the wait time while it is out for service, an issue for most customers and not wanting to put money down on a loaner phone. shouldnt be an issue with the common XDA forum poster...we all have tons of phones lying around we can use in the meantime.
i get a wicked good discount on phones through work and I dont pay any cell bills and i have the 4 major carriers. and i still get the Black tie protection on all my phones
I have the best buy insurance as well and I chipped my phone, think I can get a new one? Ha.
Sent from my SAMSUNG-SGH-I897 using XDA App
I wanted to start this thread as sort of an informative type of thread. I know there will be other people wondering the same thing. I haven't had t-mobile in years and only dealt with sprint Asurion insurance.
I have been offered t-mobile insurance and I'm not really sure if it would be worth getting it. There were three options given and I wanted to get some insight from some customers that have gone through the insurance in the past. I am leaning towards the middle one that I think was 4.79.
Is this a good insurance to have or should I get the higher priced one that extends the warranty to two years?
Are there any issues over the phone when trying to get a replacement due to software or hardware issues?
How are the refurbs that are sent as replacement?
Here are the two options
http://www.t-mobile.com/shop/addons...umHandsetProtection&tp=Svc_Sub_EqpmntProtnOvw
or
http://www.squaretrade.com/pages/and...g1#coveragePop
I went with Squaretrade instead of Tmobile because of the deductible
Sent from my SGH-T989 using xda premium
mziol said:
I went with Squaretrade instead of Tmobile because of the deductible
Sent from my SGH-T989 using xda premium
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Can you give some insight on what squaretrade is offering vs t-mobile?
mziol said:
I went with Squaretrade instead of Tmobile because of the deductible
Sent from my SGH-T989 using xda premium
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I went squaretrade too, with coupon code it was only $90 and covers 2 years and by then I will be on a completely diff phone anyway..
if they cover screen replacement or water damage, it's a decent protection, if you are ... accident prone like me
i used to take those insurance, when i was in school and couldn't afford a new device very often.
once i started getting better jobs, i stopped taking those, as i was switching from phone to phone before i can even crack the old phone
post moved to OP
AllGamer said:
if they cover screen replacement or water damage, it's a decent protection, if you are ... accident prone like me
i used to take those insurance, when i was in school and couldn't afford a new device very often.
once i started getting better jobs, i stopped taking those, as i was switching from phone to phone before i can even crack the old phone
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Click to collapse
Yeah that's kinda where I'm at with it. I am very careful with my phones and usually go through phones pretty quick. I will feel much better about it once I get a case. I always feel like I'm going to drop this thing. I don't know if it's the weight or the slender build.
i just use the tmobil insurance u brick or wreck ur phone u take it into tmobil they replace it with a new one or refurbished one!
have you looked at the Best Buy insurance?
they are pretty fair and fool prof and it's affordable but the rates varies from phone to phone, so you might want to check in store
AllGamer said:
have you looked at the Best Buy insurance?
they are pretty fair and fool prof and it's affordable but the rates varies from phone to phone, so you might want to check in store
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Click to collapse
I got my phone through wirefly so I don't know if Bestbuy would warranty a purchase that wasn't at their store.
I did notice that squaretrade doesn't cover loss or theft so that wouldn't be an option.
I am leaning toward the PHP insurance option through T-mobile. Anybody here ever had any issues with that particular type of insurance?
Jjday7 said:
I got my phone through wirefly so I don't know if Bestbuy would warranty a purchase that wasn't at their store.
I did notice that squaretrade doesn't cover loss or theft so that wouldn't be an option.
I am leaning toward the PHP insurance option through T-mobile. Anybody here ever had any issues with that particular type of insurance?
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Click to collapse
Thats the thing i dont like the no loss of theft. but that deductible is killer. i wonder if there is a way to sweet talk them. and i do understand its a deterrent to prevent people from breaking there phone to get the updated hardware as they make revisions or lie and say they lost the phone so they can get a dev phone.
I had cell phone insiranve since it was 1.99 it just a fall. Back they send it ecpress overnght and u pay lile 130 dedu.(smart phone) it worth it
Sent from my SGH-T989 using XDA App
Baaed on the answers, I'm thinking that going the insurance route is the best option. This phone feels fragile so I'm going to cover my butt. I think the 4.79 insurance will do. Plus I can cancel at any time which makes It a better deal. I lobe this phone but I know from past experiences that I will probably keep it less than a year.
Jjday7 said:
Baaed on the answers, I'm thinking that going the insurance route is the best option. This phone feels fragile so I'm going to cover my butt. I think the 4.79 insurance will do. Plus I can cancel at any time which makes It a better deal. I lobe this phone but I know from past experiences that I will probably keep it less than a year.
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i got it as well. i would rather pay a little extra so im not always worried about the phone. better to have it and not need then to need and not have. replace the phone once and its payed for its self.
ive had/have premium asurion insurance thru tmobile. they cover 3 phones in a 12 month period. i know because ive lost 4 phones already and was left with no choice but to buy the sgs2 lol.
the deductible is what kills you. for any smart phone whether its damaged, lost or stolen, you have to pay 130.00 PERIOD and that includes free overnight shipping. if you order your new phone monday morning you will have it by tuesday afternoon. theres no sweet talking or getting yourself out of that deductible EVER. if your a clutz like me the insurance is worth it. 130 beats 500 any day.
asurion covers stolen, lost, theft, water damage, etc. i guess they dont really care what your excuse is for whatever happened to your phone because your getting ass raped with a deductible. either way i WOULD recommend them. its a small price to pay and believe if you ever do lose your phone you will be more than thankful that you had insurance on it
They are both worth it. DO NOT go with tie protection plan. They never keep up their end. It's pointless and it's money down the drain. With T-Mobile insurance and warranty... you get a phone... you damage it... there is a deductible. If it's the phone itself, the warranty covers it. Better to pay the deductible then retail of the phone. The phones aren't getting cheaper. You have to think MSRP.
I've been selling phones for dealers and corp for 5+ years. Insurance is a double edged sword. Yes it costs more monthly, yes it adds up and yes there is a deductible. So it's a gamble. Is it worth it? Yes. Is it worth it if nothing goes wrong with the phone? No. But that's the gamble.
Warranty... Personally I'll pass. I don't keep phones past the first year. The phone is covered by manufacturer warranty and I believe the carrier will handle the swap for you. You're paying for the second year in contract for the warranty part... So you pay it the first year when it's covered anyway.
Insurance covers everything... then there is a deductible. Anything happens to the phone, you make a claim and get one the next day. Handled by Asurion.
If you add up the monthly charge for insurance alone + the deductible... you're looking at about $250. If nothing happens and you keep your phone, then you paid insurance for nothing. But that's just insurance... that's how insurance works. If you break it, lose it or get it wet within the first couple months... pay the deductible and get a new one... was insurance worth it? Yes.
Next year... let's say something happens... you've been paying on insurance, pay the deductible. Could you maybe have bought the phone from someone else and saved a little coin? Yes.
It's basically good to have insurance if something happens in the first few months. I recommend putting it on at first and maybe ween yourself off it. But some of you are like me...
Am I too cheap to pay for insurance? Yes.
Will I get insurance? Probably for the first couple months.
Do I have the phone for 6+ months? No.
If I don't have insurance, am I willing to drop $500+ on the latest phone? Sure. I guess I have to.
Jjday7 said:
I got my phone through wirefly so I don't know if Bestbuy would warranty a purchase that wasn't at their store.
I did notice that squaretrade doesn't cover loss or theft so that wouldn't be an option.
I am leaning toward the PHP insurance option through T-mobile. Anybody here ever had any issues with that particular type of insurance?
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Click to collapse
Hey, I got my daughter's Sidekick 4G through Wirefly and they offered some kind of insurance for like $70 up front or in monthly installments. And I do believe it covered accidents and theft. Check into it.
chrischoi said:
They are both worth it. DO NOT go with tie protection plan. They never keep up their end. It's pointless and it's money down the drain. With T-Mobile insurance and warranty... you get a phone... you damage it... there is a deductible. If it's the phone itself, the warranty covers it. Better to pay the deductible then retail of the phone. The phones aren't getting cheaper. You have to think MSRP.
I've been selling phones for dealers and corp for 5+ years. Insurance is a double edged sword. Yes it costs more monthly, yes it adds up and yes there is a deductible. So it's a gamble. Is it worth it? Yes. Is it worth it if nothing goes wrong with the phone? No. But that's the gamble.
Warranty... Personally I'll pass. I don't keep phones past the first year. The phone is covered by manufacturer warranty and I believe the carrier will handle the swap for you. You're paying for the second year in contract for the warranty part... So you pay it the first year when it's covered anyway.
Insurance covers everything... then there is a deductible. Anything happens to the phone, you make a claim and get one the next day. Handled by Asurion.
If you add up the monthly charge for insurance alone + the deductible... you're looking at about $250. If nothing happens and you keep your phone, then you paid insurance for nothing. But that's just insurance... that's how insurance works. If you break it, lose it or get it wet within the first couple months... pay the deductible and get a new one... was insurance worth it? Yes.
Next year... let's say something happens... you've been paying on insurance, pay the deductible. Could you maybe have bought the phone from someone else and saved a little coin? Yes.
It's basically good to have insurance if something happens in the first few months. I recommend putting it on at first and maybe ween yourself off it. But some of you are like me...
Am I too cheap to pay for insurance? Yes.
Will I get insurance? Probably for the first couple months.
Do I have the phone for 6+ months? No.
If I don't have insurance, am I willing to drop $500+ on the latest phone? Sure. I guess I have to.
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Click to collapse
yea i see where you are coming from. just wish i was in a different industry where my phone would not be exposed to so many elements.
Get the bundle. Sure it may be $7/month, but the insurance and warranty cover phones that you buy in the future too. (Even second hand phones)
rr5678 said:
Get the bundle. Sure it may be $7/month, but the insurance and warranty cover phones that you buy in the future too. (Even second hand phones)
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where do i find this information
Hey guys,
I'm a note 1 user and i'm getting a note 2, either the unlocked or the AT&T model.
Every phone i got, I either utilized the carrier's insurance for 7-8 dollars a month, or for my last phone, I bought it at best buy, so i used their insurance which is about 10 dollars a month but there is no deductible when you need a new one, whereas carriers charge 1-200 deductible.
But, best buy's insurance doesnt cover loss or theft..
Aanyway, does anyone know of any good third party insurance where you can buy the phone anywhere and then sign up for the insurance, does that exist? I dont know much about buying phones unlocked but when you guys spent 700+ dollars on this phone did you buy protection from somewhere? what happens if you break it?
Thanks
I use Worth Ave Group, good coverages, quick with claims and have really good customer service imo. I think they have the cheapest deductible ($50) compare to other insurance companies that I looked up.
Sent from my GT-I9300 using Tapatalk 2
zen0s said:
I use Worth Ave Group, good coverages, quick with claims and have really good customer service imo. I think they have the cheapest deductible ($50) compare to other insurance companies that I looked up.
Sent from my GT-I9300 using Tapatalk 2
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Click to collapse
So i called up and asked alot of questions, it seems pretty good. They dont cover loss, but then again, neither does best buy, and it is verry cheap.
you only pay 64 dollars for up to 599 worth of coverage. They will only pay whatever the phone is going for at the time you file the claim, but still..
So, i buy the note 2 either unlocked or att off contract for about 700, the plan will cost 64, and a year later i want to buy the note 3, i cash in for about 500, i pay another 50, so i end up with 450 in my pocket, about 390 in reality... not bad..
and its good all around because i may end up breaking the phone because i dont use cases..
they do insurance for cameras, laptops, tablets.... this may be the way to go..
do you have any experiences you can share?
Here are the things I like about Carrier coverage:
Covers EVERYTHING (including loss)
Overnight delivery of your phone
This is what I dislike:
High deductible (Sprint) = $100 for screen breaks and loss.
I am most likely transferring to AT&T but wondering if I should get something that includes my likes and if possible fixes my dislikes. Is there anything out there?
Milkman00 said:
Here are the things I like about Carrier coverage:
Covers EVERYTHING (including loss)
Overnight delivery of your phone
This is what I dislike:
High deductible (Sprint) = $100 for screen breaks and loss.
I am most likely transferring to AT&T but wondering if I should get something that includes my likes and if possible fixes my dislikes. Is there anything out there?
Click to expand...
Click to collapse
250 for sprint bro it all change not 100
mrej201 said:
250 for sprint bro it all change not 100
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Are you telling me that Sprint's deductible is now $250!? I just get happier and happier about leaving Sprint.
Slap-Yourself :) said:
Are you telling me that Sprint's deductible is now $250!? I just get happier and happier about leaving Sprint.
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yea broo 200 to 250 that why im asking wat other insurance i can get cuz i wanna get sprint
mrej201 said:
yea broo 200 to 250 that why im asking wat other insurance i can get cuz i wanna get sprint
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Click to collapse
Dude! That's ridiculous! Why the hell would you pay 10 bucks a month and then $200 for a phone claim? I know that it may be Asurion raising the price of the deductible but thats just stupid.
You might want to check out Square trade. Fair pricing and good reviews on claims. I've never had to file a claim.
Sent from my Nexus 7 using Tapatalk 2
Why is anyone using carrier insurance? Go to squaretrade... now!
I'm looking to get the Galaxy Note II either with Sprint but I'm curious if the $200 deductible will hold true for it because currently the fine print (http://www.phoneclaim.com/doc_list/...ble-schedule-061712?tmpl=component&format=raw) shows it currently excludes tablets (even though Note is technically a phone with tablet abilities).
I love the squaretrade option so far and will probably end up going with it but I'm curious if anyone knows about the deductible rates with Verizon for lost/stolen for the upcoming Galaxy Note II. I know they both have Asurion but I'm pretty sure they didn't raise deductibles like sprint, $11 is a killer especially if you don't end up using it. I've been paying $8 for over 2 years and never had to use the insurance, so it would have been nice to get it refunded for taking good care of my phone.
Also, it's very unclear whether the deductible applies to specific repairs/damage. My experiences have always been that I never had to pay deductible unless it was stolen/lost, but some people are saying that water damage or glass damage now requires deductible, etc..
If it weren't for Sprint's Google Voice Integration (use it too heavily to try workarounds, biggest caveat is ensuring my calls always show callerid from my would-be Sprint-2-GVoice ported number), getting a free femtocell tower, and employee 25% off discount, I would seriously consider Verizon for 2 years until Sprint gets their LTE + Advanced going. Insurance is the big factor that might make me switch, but I'll probably lose their coverage and go with squaretrade and just be extra careful to not lose my phone. However, Is limited great coverage and data speeds > unlimited delayed LTE and typical 1 mbps 3G speeds?
Hope softbank helps make Sprint LTE deployment significantly faster.
It's still a phone and should be covered under TEP with no issues. It will fall under the new higher monthly insurance fee, plus incur the much higher deductible. For the first time I am seriously considering outside insurance, instead of Sprints TEP coverage.
Sent from my Clean Rom'd HTC Flyer using XDA Premium.
I loved Square Trade for a while, but due to quality issues with their replacement parts of my Android Tablet, I am a bit hesitant to use them.
Problems with SquareTrade:
Time without a phone during a warranty claim
Does not cover loss
$250 for a deductible with TEP is EXTREME. Does anyone know what AT&T's pricing structure for their service is?
Sprint appears to have a Deductible Schedule. So far, I don't see $250 for any phone, but I only tried the Galaxy S3 is $150 and the og EVO is $100.
I also didn't realized they have a Total Equipment Protection (covers loss) and an Equip Replacement plan.
http://www.phoneclaim.com/sprint/deductible
The Note 2 isn't listed yet.
I'm willing to bet the note 2 will be the first $200 deductible phone. There is a currently empty tier 4.
Sent from my shooter using xda premium
wekebu said:
Sprint appears to have a Deductible Schedule. So far, I don't see $250 for any phone, but I only tried the Galaxy S3 is $150 and the og EVO is $100.
I also didn't realized they have a Total Equipment Protection (covers loss) and an Equip Replacement plan.
http://www.phoneclaim.com/sprint/deductible
The Note 2 isn't listed yet.
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Click to collapse
Yeah not sure why people keep posting the $250 gibberish. It's currently $150 for lost stolen water damage, more than 2 screen cracks more than an Inch long each and damaged beyond repair
Sent from my SPH-L710 using xda app-developers app
ATT mobile insurance is $7 per month. But the deductible for the i317 is $200.
Do you think it is worth it to have? is ATT's replacement policy similar to that of Apple for instance. meaning with 100% satisfaction rate or do they give people hard time before replacing any device.
Thanks
I had them replace my note twice for charging port issues, they never gave me any grief. In fact they send a brand new device the second time.
Sent from my SAMSUNG-SGH-I317 using Tapatalk 2
It is hard for me to pay those crazy fees now for insurance. I would compare Squaretrade, at least that has a capped rate(one time fee vs monthly).
Here is the kicker for AT&T that they don't always tell you: no matter what is wrong with the phone, after 12 months you pay the $199 deductible. So you paid $8x12 months(or more) and the phone fails to power on but has ZERO damage, you are still required to pay the $199 deductible. That is $296 minimum @ 12 months. Squaretrade is upfront fee of around $100(they offer coupons so it varies look on Facebook) and a deductible of $100(I think).
You need to do the math to see if it is worth it for you. I personally will never pay those fees again bc they are wasted if you don't use it. Your screen is the most likely thing to repair and odds are I can repair it for less than $200. Basically around the same amount of money but I only spend it if needed. Also, do not forget that there is now a real out of contract replacement available: Nexus 4. Once the back order is caught up in a month or two you would be able to get a high end replacement device for 299 or 349, again only spending money if you need to vs spending it every month regardless.
All in your perceived value.
Gvndeb60 said:
It is hard for me to pay those crazy fees now for insurance. I would compare Squaretrade, at least that has a capped rate(one time fee vs monthly).
Here is the kicker for AT&T that they don't always tell you: no matter what is wrong with the phone, after 12 months you pay the $199 deductible. So you paid $8x12 months(or more) and the phone fails to power on but has ZERO damage, you are still required to pay the $199 deductible. That is $296 minimum @ 12 months. Squaretrade is upfront fee of around $100(they offer coupons so it varies look on Facebook) and a deductible of $100(I think).
You need to do the math to see if it is worth it for you. I personally will never pay those fees again bc they are wasted if you don't use it. Your screen is the most likely thing to repair and odds are I can repair it for less than $200. Basically around the same amount of money but I only spend it if needed. Also, do not forget that there is now a real out of contract replacement available: Nexus 4. Once the back order is caught up in a month or two you would be able to get a high end replacement device for 299 or 349, again only spending money if you need to vs spending it every month regardless.
All in your perceived value.
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Thanks for your argument... I was considering buying the insurance myself
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Gvndeb60 said:
It is hard for me to pay those crazy fees now for insurance. I would compare Squaretrade, at least that has a capped rate(one time fee vs monthly).
Here is the kicker for AT&T that they don't always tell you: no matter what is wrong with the phone, after 12 months you pay the $199 deductible. So you paid $8x12 months(or more) and the phone fails to power on but has ZERO damage, you are still required to pay the $199 deductible. That is $296 minimum @ 12 months. Squaretrade is upfront fee of around $100(they offer coupons so it varies look on Facebook) and a deductible of $100(I think).
You need to do the math to see if it is worth it for you. I personally will never pay those fees again bc they are wasted if you don't use it. Your screen is the most likely thing to repair and odds are I can repair it for less than $200. Basically around the same amount of money but I only spend it if needed. Also, do not forget that there is now a real out of contract replacement available: Nexus 4. Once the back order is caught up in a month or two you would be able to get a high end replacement device for 299 or 349, again only spending money if you need to vs spending it every month regardless.
All in your perceived value.
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Have you ever used them? never heard of them.
I have not personally used Squaretrade, but they are highly reputable and I read nothing but good things about them on other forums.
To put it in perspective, IMO, Apple offers the best extended warranty called AppleCare+ for $99 for their devices. I have used it before on my iPad and my wife's iPhone. It is amazing and they cover everything. On imore.com which is an apple site, the forums have lots of people saying they choose Squaretrade over AppleCare.
That is just an example, again I have not used them so I am just sharing what I have read.
But I have used Best Buy coverage, AT&T insurance, and Sprint insurance. Best Buy was horrible in all ways as was Sprint. Both grilled you with tons of questions, and honestly looked for ways to void your warranty. Sprint even called a huge bright white spot on the middle of my HTC EVO a cosmetic problem. Both AT&T and Sprint use Asurian as the insurance company, and both times I have had to swap phones they gave me damaged models. With Sprint I went through about 4 Palm Pres before getting one that wasn't noticeably damaged. ATT swapped my Atrix out without any hassle but the first one was damaged as well.
I could be biased bc of my experiences but remember they are not in business to help you, they are in business to make money. Do the math to see if it is worth it. I will say that I have used it before for the first 2-4 months when a device is first released bc of the high cost. Normally the out of contract cost drops after a month or two.
Good luck.
Gvndeb60 said:
I have not personally used Squaretrade, but they are highly reputable and I read nothing but good things about them on other forums.
To put it in perspective, IMO, Apple offers the best extended warranty called AppleCare+ for $99 for their devices. I have used it before on my iPad and my wife's iPhone. It is amazing and they cover everything. On imore.com which is an apple site, the forums have lots of people saying they choose Squaretrade over AppleCare.
That is just an example, again I have not used them so I am just sharing what I have read.
But I have used Best Buy coverage, AT&T insurance, and Sprint insurance. Best Buy was horrible in all ways as was Sprint. Both grilled you with tons of questions, and honestly looked for ways to void your warranty. Sprint even called a huge bright white spot on the middle of my HTC EVO a cosmetic problem. Both AT&T and Sprint use Asurian as the insurance company, and both times I have had to swap phones they gave me damaged models. With Sprint I went through about 4 Palm Pres before getting one that wasn't noticeably damaged. ATT swapped my Atrix out without any hassle but the first one was damaged as well.
I could be biased bc of my experiences but remember they are not in business to help you, they are in business to make money. Do the math to see if it is worth it. I will say that I have used it before for the first 2-4 months when a device is first released bc of the high cost. Normally the out of contract cost drops after a month or two.
Good luck.
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Thank you Bro.
I've done some research on both.
Before I was under the impression they give you a brand new phone, but it seems a Refurbished one is the way to go for them.
It appears to me that after: $199 + $100 it is not worth it to get a refurbished phone after let's say 12 months of usage. One may just use this money and do an early upgrade if anything goes wrong with the phone.
BTW squaretrade doesn't allow theft coverage.
You don't always get a refurbished... I was given a brand new device once.
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As the title says- want to understand whats the consensus on what insurance is smarter- I usually always get Squaretrade and they have it now for $5 a month with a $75 deductible which isn't bad and Tmobile offers Jump for $10 a month with a $175 deductible, but this option covers loss and also has the ability to upgrade after a year.
In my situation- i got the 64gb gold edge, and did the $100 down and paying 32 or so a month- which do you think is the best option? I am torn between the ability to upgrade and the loss coverage that Jump offers vs the cheaper but very reliable service that squaretrade offers...
Thoughts?
Do you prefer the upgrading function, Lookout Premium, and comfort? Or you prefer a cost effective method?
I think the upgrading function is awesome- but not sure of the whole value of it I guess and thats really my question I guess- is it worth it in the end?
The lookout premium is not really a selling point to me at all- to me its just bloatware and most of the features can be done through google or other free apps to begin with.
i went with squaretrade because i dont have tmobile. but yes, if i lose the phone, im done for. but ive never lost my phone. (knocks on wood)
I am an original Jump #1 customer, and love the ability to upgrade TWICE every 12 months.
Now, the current Jump #2, lets you upgrade AFTER you have paid off 50% of the phone, or sooner, but you pay the difference.
So obviously #2 is not as appealing, you are paying $120 "extra" a year, plus the usual monthly EIP (say $30) for a new phone. So you are paying $480 ($40 per month) for a new phone every year, in addition to your service plan, and taxes and fees.
So if you get unlimited ($80) + JUMP ($10) + EIP ($30) = $120 per month(plus tax/fees)....for a new phone every year. (Leasing)
You can see why JUMP #1 was SO much better (same money, 2 phones a year)..
Yes, you get insurance, but with that deductible, unless you use it fairly early into your JUMP payments, it diminishes in value.
Hope this helps.
sfin54
What about the Samsung's premium protection plan? Is that a good alternative? It's $129 to buy and then around $100 for any service. No monthly payments.. and coverage is for 2 years.
Quoting from Samsung's website: "Samsung Protection Plus℠ Mobile Elite* extends your coverage to two years from the original purchase date of your device and adds up to three incidents of accidental damage coverage, each subject to a $95 service fee plus applicable tax.
Samsung Protection Plus℠ Mobile Elite*
o Accidental Damage: Cracked Displays or Liquid Damage
o Extended warranty covers mechanical damage after the 1 year limited warranty expires."
So, any thoughts?
[email protected] said:
What about the Samsung's premium protection plan? Is that a good alternative? It's $129 to buy and then around $100 for any service. No monthly payments.. and coverage is for 2 years.
Quoting from Samsung's website: "Samsung Protection Plus℠ Mobile Elite* extends your coverage to two years from the original purchase date of your device and adds up to three incidents of accidental damage coverage, each subject to a $95 service fee plus applicable tax.
Samsung Protection Plus℠ Mobile Elite*
o Accidental Damage: Cracked Displays or Liquid Damage
o Extended warranty covers mechanical damage after the 1 year limited warranty expires."
So, any thoughts?
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I saw this as well but didnt even consider it since Squaretrade offers the same coverage and you can pay month to month at $5 a month rather than pay for the whole plan up front which you must do for the samsung plan. Squaretrade also offers a $75 deductible and they have a proven track record and I have not ever heard of anyone using the samsung plan before.
EDIT-- looks like the $5 a month option is no longer there- its either $8 a month or a $99 one time payment over 2 years- still beats the Samsung plan by cost and deductible cost....but now if I wanted to go a monthly route its not much more to just get the Jump program for $2 more.
dominante58 said:
I saw this as well but didnt even consider it since Squaretrade offers the same coverage and you can pay month to month at $5 a month rather than pay for the whole plan up front which you must do for the samsung plan. Squaretrade also offers a $75 deductible and they have a proven track record and I have not ever heard of anyone using the samsung plan before.
EDIT-- looks like the $5 a month option is no longer there- its either $8 a month or a $99 one time payment over 2 years- still beats the Samsung plan by cost and deductible cost....but now if I wanted to go a monthly route its not much more to just get the Jump program for $2 more.
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Thanks for the info..
This is the first time I'm getting any kind of protection plan for my phone. So, didn't even know about squaretrade before this thread..
After thinking about it some more- i decided to get the squaretrade 2 year coverage for the one time payment of $99. It is far cheaper than doing the JUMP program that would cost me $240 over two years, and with the cost of the deductible being $75 vs $175 I thought it was the best choice.
Still have a few days to change my mind if someone can tell me the cost advantage to the Jump Program. The way I look at it- my phone is an $859 phone ( 64gb Edge Model-RIDICULOUS!)- and the jump program requires me paying half of it off for the upgrade- So I would have already paid $430 dollars of the phone + 120(12 months of JUMp)= $550, and with nothing to show for it since the upgrade would essentially require me to turn in my s6 edge for the next big thing.