There was an article online from a VZW rep (that retired or was fired) and they gave insider tips. .. They said never go into a 2 year and never take the insurance...
Hmmmmm.... if they were potentially fired, you don't think they could be, I don't know......
bitter about it?

Maybe in their mind they see the extra year and insurance as just extra pocket lining cash for VZW, which in a way could be, if you never use it, but I'd hate to damage my phone 3 or 4 months after getting it and have to pony up another
6 bills to replace it.
As far as the 2 year contract, I'm not planning on leaving VZW anyway, so if it gets me not only an extra upfront discount on the retail price of the phone, but
also my extra
$100 NE2 discount, then it's totally worth it to me. The only (potential) downside is that I won't get another phone discount for 2 years, but, I'm getting a
HUGE one now. And if I want a new phone next year, I could always sell the current one which will give me just about as much in my pocket as the smaller discount that VZW gives on a 1-year anyway, plus I wouldn't have the extra NE2 discount anymore.
I've been with VZW long enough to get a
$100 NE2, but I know for new customers in the last 1 - 1.5 years, they're only getting
$50. If I were to get a 1-year, and then later go back to 2-year, I'd only be getting
$50 in the future.
