Metro Insurance vs. SquareTrade vs. NO insurance

[AppleUser]

Your thoughts ?

 

[fdbryant3]

I'm cheap so I opt for no insurance. I have yet to be convinced that it is worth the cost over time vs risk (and technically at this point I am self insured by the money I've saved).

 

[Ninjew]

It really depends on the phone when it comes to the Metro Guard... For instance you should def get Metroguard with the Avant because the phone is only 50 to get a replacement. You should also get Guard for 3 months because after 3 months you qualify to get the promotional price of any phone.

 

[AppleUser]

I'm cheap so I opt for no insurance. I have yet to be convinced that it is worth the cost over time vs risk (and technically at this point I am self insured by the money I've saved).

Galaxy S4 zero deductible, two years repair or replacement (SquareTrade) = $45

Hmmmmmmm. Probably worth it.

 

[MonteK73]

Debatable, you pay $6 or 7 bucks a month for a for 1.5 years phone decides to quit so you have shelled out 84 bucks using the $7 a month plus your deductible lets say $60. So thats $186 to get a refurbished possibly old model. With the incentives that Metro has very often, you could get a shiny brand new newer model phone for less or similar money, so I can see why many don't or on the fence regarding insurance.

 

[AppleUser]

Debatable, you pay $6 or 7 bucks a month for a for 1.5 years phone decides to quit so you have shelled out 84 bucks using the $7 a month plus your deductible lets say $60. So thats $186 to get a refurbished possibly old model. With the incentives that Metro has very often, you could get a shiny brand new newer model phone for less or similar money, so I can see why many don't or on the fence regarding insurance.

Huh ? If you are responding to my post: No, it's a $45 one time charge for two years coverage.

 

[MonteK73]

Huh ? If you are responding to my post: No, it's a $45 one time charge for two years coverage.

Not responding to you directly, I'm speaking facts on how the insurance works in general and its cost, most people do not have a one time charge of $45. They have a deductible if something happens and a monthly fee every month for phone insurance.....