Is it time to upgrade your cell phone to the newest model of iPhone or Samsung Galaxy? Phones are no longer a small expense – often they can cost hundreds of dollars, even with a contract through your wireless provider. So how can you save money on your new phone? While the newest models will still cost a small fortune, you can save money on a monthly basis by foregoing the extra insurance for your phone.
Phone insurance seems like a good idea, especially with how expensive new phones are to replace or repair if they are damaged. However, if you add up the cost of the insurance, it may not be such a great deal. Many insurance plans cost close to $10 per month, or $120 per year. Plus, you usually have to pay a deductible when you have it repaired or replaced. So if once per year you crack the screen on your phone, it is not free. Your $120 in premiums plus another $50 or more in deductible is certainly not cheap.
Another issue with phone insurance is sending away your phone for repair. In the meanwhile, you must use another phone and often you may get a replacement phone back instead of your same phone. That means starting from scratch adding your apps and adjusting your settings.
Instead, skip the phone insurance and use a local phone repair service instead. You only pay for the service when you need it, making it a wise choice. They can repair your phone the same day, with no hassles of sending it away or needing to re-set up your phone. Most repairs cost less than what you would pay in premiums and you only pay it if you need it. You could save over $240 in two years if you never need repairs, helping pay for the cost of your new phone.
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