if you do not have insurance and no lines available for upgrade you can do Certified Pre Owned. CPO you can get a totaly different phone. it does not use an upgrade or extend your contract. you get a 1 year warranty with the phone and the phone battery and back and charger. you can do this option once a year if your phone is broken or lost and no insurance. the price you pay on the phone is close to the 1year price on the phone bt you do not extend your contract. still better than doing full retail or getting a used phone and have no warranty.

