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5 monthly add-on features that you can probably go without to save yourself some money

0. phoneArena posted on 01 Feb 2012, 10:56

Well folks, we implore you all to check out your monthly statements and see what you’re being charge because you can probably save yourself some money and use it elsewhere. Similar to what we saw with the advent and proliferation of text messaging...

This is a discussion for a news. To read the whole news, click here

posted on 01 Feb 2012, 11:07 1

1. remyrz (Posts: 205; Member since: 28 Oct 2010)

nice :) i love my smartphone!

posted on 01 Feb 2012, 11:21 3

2. protozeloz (Posts: 5396; Member since: 16 Sep 2010)

when It comes to insurance I recommend something:

1. find the price of your favorite company.
2. open a savings account and pay that monthly fee.
3. when you have ungracefully changed your phone (two years) you might have some bucks.
4. keep using the account.

if you don't have a really bad luck you might save enough to replace your phone or even do something else

posted on 01 Feb 2012, 11:37 1

3. John.V (Posts: 99; Member since: 27 May 2011)

Good call!

posted on 05 Feb 2012, 19:20

23. robinrisk (unregistered)

Hey John, on Sprint Visual Voicemail is free, the 1.99 is for Visual Voicemail to TEXT, which is not a good feature anyways in my opinion.

BTW, the insurance is worth it because whenever you are going to upgrade, you can submit a claim under the Manufacturer´s warranty, get a new phone, upgrade and sell the replacement phone at a profit! :)

posted on 01 Feb 2012, 11:41 5

4. remixfa (Posts: 14605; Member since: 19 Dec 2008)

with insurance, i really only push it on the high end products like the SGS2,SGS1, Amaze (ESPECIALLY ON HTC'S GLASS PRODUCTS) and such. $600 is an awful lot to fork out of pocket for an unexpected expense. Even used its still over 400 in most places.

8 bux X 2 years (24 months) = 192
deducible on high end smartphones = 130.
130 + 192 = 322.

*If the used price of your phone is over that, you need insurance.
* If you're accident prone and have a semi expensive phone ($400+ full retail), you need insurance.
* If you know your not responsible enough to follow Protoz's "put money aside" advice (which is a smart idea), you need insurance.
* If you have an expensive HTC or other device made of glass..

Cases help protect against cracked screens and incremental damage, but they are not impervious.
Gorilla glass makes a huge difference, but it still breaks. And samsung likes to glue their LCD's to the glass, making repairs more expensive than insurance.

posted on 01 Feb 2012, 12:10

7. protozeloz (Posts: 5396; Member since: 16 Sep 2010)

the math gets even more complicated when you have more than one phone, I have two lines witch makes a sum of 384 when my two year contract is over and so on when you have 4+ members of your family with Smartphone you have to have really bad luck if a 4 member family suffers accidents on all their phones at the same time. and that's 768 in insurance fee

posted on 01 Feb 2012, 12:31

9. remixfa (Posts: 14605; Member since: 19 Dec 2008)

yea, but if all 4 members of your family have an SGS2 and they all get stolen at the same time, they could be paying up to 2400 for new phones.

all i can say is either have insurance, put money aside, or be uber careful and hope for the best.

and for gods sakes.. keep your old phone as a spare if it works.

posted on 01 Feb 2012, 12:54

10. protozeloz (Posts: 5396; Member since: 16 Sep 2010)

Money aside is great and promotes savings. The insurance is good if kids are under 17 tho. But don't tell them ......

posted on 01 Feb 2012, 13:20 1

11. supaman21 (Posts: 43; Member since: 14 Sep 2011)

or just go get the geeksquad protection from best buy..... 9.99 with no deductible.......

posted on 01 Feb 2012, 21:50

18. Tux4g63 (Posts: 120; Member since: 21 Oct 2011)

They give you the option to prepay the entire amount up front also. It lowers the cost to roughly $7 a month. It is a large cost to eat all at once but that no deductible thing is pretty sweet.

posted on 01 Feb 2012, 13:38

13. -box- (Posts: 3991; Member since: 04 Jan 2012)

I recommend the insurance for any iphone, especially because reps can't mess with their upgrade eligibility, and they're stupidly expensive to replace (though cheap enough to fix if it's just a cracked back or screen), as well as high-end newer smartphone that a customer would depend on for their daily needs where an older or less advanced temporary phone wouldn't suffice. That or paying $10 a month to add on an extra line and let it sit until something happens to the main phone, then use the spare line's upgrade eligibility to get a brand new phone. Or "leapfrog" the 2 lines' upgrades, upgrade line 1 the first year, line 2 the next, then the next year line 1 is upgradeable again. It's a bit more expensive that way, but the user gets a new phone yearly and can get their choice of a new phone rather than getting whatever device the insurance provider sends out

posted on 01 Feb 2012, 21:14

17. cthunder (Posts: 125; Member since: 02 Nov 2010)

For High End phones yes I can see you wanting insurance. But after 6 months then insurance becomes pointless. Simply because every 6 months the lastest and greatest new smartphone is released. Dropping the price of the previous model or similar phones released in the time frame.

*If the used price of your phone is over that, you need insurance.
* If you're accident prone and have a semi expensive phone ($400+ full retail), you need insurance.
(After 6 months this won't be the case.)

* If you have an expensive HTC or other device made of glass..
(No you don't, that's why we have cases and screen protectors)

posted on 01 Feb 2012, 11:54

5. ibap (Posts: 785; Member since: 09 Sep 2009)

On my 17-year-old-daughter's phone, it's been worth every penny.

posted on 01 Feb 2012, 11:56 1

6. atheisticemetic (Posts: 377; Member since: 18 Dec 2011)

I disagree on dropping the insurance. First of all this is completely person dependent. Not everyone is hard on their phones and there are those who are in varying scales.

insurance is about 6 or 7 bucks a month (depending on the type of insurance). Most carriers let you upgrade at around the 20 month mark (sometimes sooner for annuals). That will run you either 120-140 bucks for 20 months. To get a phone of the exact type if it's a smartphone will run you close to 300 bucks on ebay (for a new one). Craigslist is just shady for cellphones and you are never sure of their condition.

I personally dont have insurance because i dont need it, but to those who already have it, why would you drop it? Not everyone is savvy enough to get a phone at a decent price online aside from contract. Whereas if i pay my deductible prior to 20 months I have saved money than getting one full retail, or at a "discount" on ebay. Insurance is definitely debatable...

Roadside assistance with your insurance company is car dependent, whereas Roadside assistance from your cellphone is cellphone dependent. If you're not in your own car and you need a jump or run out of gas (cuz your friend was a moron and didnt change his battery or didnt get gas), i'd much rather have paid the little more to have roadside with more flexibility and not be stuck on the side of the road.

Visual Voicemail and VZ Nav or ATT Nav are ridiculous. Good call on that, this is a scam and shouldnt be available on any smartphone.

Google Voice at this point is buggy. When they fix the bugs i will then drop my text plan, but their as bad as Sprint with "not sending text messages" or receiving them.

posted on 01 Feb 2012, 13:40

14. -box- (Posts: 3991; Member since: 04 Jan 2012)

AT&T doesn't charge for visual voicemail for iphones, blackberries, or the LTE Android phones. T-Mobile's is also free, I believe.

posted on 01 Feb 2012, 12:13

8. McLTE (Posts: 922; Member since: 18 Oct 2011)

The issue with dropping text plans is that most of us with families have a mix of feature/smart phones on the account. While my wife and I with our smart phones could ditch texting and use google chat, or google voice.. our kids can't use these things with their feature phones.

With kids on the plan, unlimited texting is a huge necessity!

posted on 01 Feb 2012, 13:23

12. squallz506 (banned) (Posts: 1075; Member since: 19 Oct 2011)

im on magenta's monthly4g no-contract. $30/mo flat. no hidden fees.

i did pick up a third party insurance on amazon for my g2x that i bought unlocked. it was just too big an investment not to insure from day 1. although my g2x has been in a case since day 1 as well, so maybe im just overcautious.

posted on 01 Feb 2012, 13:42

15. -box- (Posts: 3991; Member since: 04 Jan 2012)

AT&T doesn't charge for visual voicemail for iphones, blackberries, or the LTE Android phones. T-Mobile's is also free, I believe.
Also, cases don't prevent phones from being lost or stolen, so if you have a phone that's more prone to theivery (iphones and high-end smartphones especially) it's worth every cent

posted on 01 Feb 2012, 16:45

16. captn3x (Posts: 46; Member since: 08 Aug 2011)

I got burned by the insurance and will never again. Had insurance for 3½ years. (Touch pro, and DROID 1) 1½years into my DROID I dropped it and broke it. By this time the phone was already admittedly by Verizon to have too slow of hardware to run well. What I got after paying $7 per month for 3½ years and a $100 deductable was a POS refurbished DROID with a crazy loose slide and fingerprint under the screen. For what I spent I could have bought a current Gen phone.

posted on 02 Feb 2012, 08:21

19. atheisticemetic (Posts: 377; Member since: 18 Dec 2011)

thats because asurion gives refurb phones ya goof :)

you can bitch about until they perhaps give you a new one, or find a different insurance carrier (one that uses Brightstar for their supplier would be beneficial to you, they almost guarantee a NEW phone).

no offense but i partially blame you for getting burned. These are questions you need to ask before you sign your agreement

posted on 02 Feb 2012, 08:23

20. atheisticemetic (Posts: 377; Member since: 18 Dec 2011)

and that also means you were eligible for an upgrade twice over by 3.5 years....you unfortunately have no pity from me my friend :)

posted on 02 Feb 2012, 12:36

21. ddarko18 (Posts: 5; Member since: 02 Feb 2012)

Or you can go with best buy mobiles insurance, 10 dollars a month for 2 years or buy it outright for 169.99, oh and no deductibles. Only negative is that it doesn't cover loss or theft but gps services can get you around that,

posted on 02 Feb 2012, 14:53

22. thephoneguy92 (Posts: 191; Member since: 29 Dec 2011)

Wether or not to get insurance is not an easy choice. Obviously nobody wants to spend 6-7 bucks a month to get something that they may never use, but at the same time, any person can break their phone at any time. I won't go to much into this whole argument because it seems as though many people have hit on the main bulletpoints. I just want to add that I know of many insurance plans that cover phone damage for normal wear and tear for no deductible. This means that if your phone has a software issue, if your screen stops working or develops dead spots, or if you have a physical keyboard and it breaks (anyone who has ever had a slide-out keyboard knows how flimsy they are) it's covered for no deductible. Also, many insurance plans cover free batteries, at least once a year. And I know that may seem like it's not worth it, but it can be pretty helpful. The way I see it, your battery can have a couple problems. One, after a year or so of use, they start to wear out and not hold a charge as well, so it's worth replacing, especially for the heavy users who already find themselves running low on a single use for their phone. And two, it can just die on you, whether it be because of a power surge or just a malfuction, when it dies, your stuck. Batteries cost around 30-50 bucks to buy, and usually aren't the easiest things to find. So that should also be put into the equation.

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