This forum moves way too fast for me to keep up with. But I have a few thoughts to add?
First to the insurance argument. I have not needed insurance in over 10 years. I have more than made up whatever difference there would be either way. I carried if for a few years then dumped it.
I sell Insurance for a Major carrier, Home, Auto, Life, and Health. First of all for auto, we beat Geico at least 50% of the time, and especially if you put home and auto together. If you have crappy credit or claim history, they beat us but if you are pretty responsible we beat them regularly.
We do not insure cell phones per say. And you would be subject your deductible. On auto, its $250 - $1000 for the deductible and it would have to be stolen out of your car for the most part. On home deductibles are usually 1% now. That can mean $2000 ded for a $200,000 home obviously. I just say check with your carrier, maybe some offer it, but it would be a rider and you would need to not have a deductible or it would be the same basic deal.
I cannot speak for other companies, but I know with us it would not be worth claiming a cell phone, unless stolen and you have a low deductible. If you claim on a home policy and you have a $250 deductible you are already wasting probably about $500 a year min on your premiums. Meaning they are surcharging you anyway for that low deductible. You might want to change that and save tons of money, in most cases enough to pay a full price on a phone replacement. A $250 deductible on a home plan = a crappy agent that is robbing you in the first place. Just my two cents.
NOw back to EVO discussions. In my attempt to be a jack of all trades, I am also working on trying to get set up with a nationwide company that would allow me to sell 4g products through clear, and also to sell Direct TV. If all goes according to plan, we would also be able to sell Sprint products!
I cant promise anything, but if I can sell the EVO, and get any sort of leg up, I will be sure to let you all know. My guess is I would be no different than the stores, but hey its worth the training and all just for that possiblilty. And I will be able to get the commision on selling myself an EVO! that equals a discount. We shall see?