I got a letter from Assurion just a few days ago. The price did not go up, but the deductible did. At least that's how I read it.
That's exactly what they said. In some ways I don't mind because I have only had to use the replacement one time in the last 2 years (son dropped my phone down the stairs) and when I did the math I still paid less in those 2yrs at 7.99 a month including the deductible then I would have paid to replace the entire phone.. lol.. but it still sucks knowing that I'll have to pay more if i need to use it again.
EIP isn't so bad. You make a down payment.. sometimes u get a rebate on the down payment and then you finance the rest of the fone which is usually 15-20 bucks a month for 20 months interest free. What I did also here is that the price of the phone insurance is going up 5 bucks so that really sucks.
The montly insurance price will be staying the same, it's the deductible that's going up.
As for the phone price your right. I just got off the phone with T Mobile and on a samsung galaxy s3 the total payment when eligible for an upgrade is 200 down, 100 dollar mail in rebate, and then 20 dollars a month for 20 months.
The 1 thing that I have heard no 1 mentioned on this thread is something the representative just told me. That although you're being charged 20 dollars a month for 20 months you are also given 15 dollar discount on your internet for 20 months. I don't know if this is something they just started but the same 15 dollar discount on internet was available for me with all of the phones I was looking at.
Also when all is said and done it brings the total price of your phone after discounts and rebates to just over 200 dollars not including taxes.
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