You don’t need insurance for your smartphone because it’s a rip-off. Policies are hardly used and when they are the insurers find BS ways to skip out on the check. Most people would rather take their chances and you are no different. Of course, as soon as you say no to insurance something happens to your phone and you’re out of pocket. Who has got an extra $999 to spend on an iPhone X? A policy is crucial in case of an accident, yet it’s doesn’t have to cost you a fortune.
With these super savvy hacks, your policy will be cheap and comprehensive.
Don’t Buy It From The Carrier
Sales reps are always upselling because they know it’s an easy way to up the price. While insurance is important, there’s no need to buy it from the carrier as hundreds of companies will provide a cheaper estimate. “Always shop around for a good deal” is a motto that should ring in your ears during the buying process. Without going to separate insurers and asking for a quote, you may end up tied to a deal that isn’t affordable. Competitors will offer you a bargain to steal your custom, so it’s worth a try.
Check The Deductible
Insurers are the masters of hidden charges and smartphone carriers are no different. On the face of it, you’ll pay an extra $10 a month which seems reasonable. However, the small print may say that you have to pay a huge deductible depending on the claim. For example, a software problem may be covered under the flat rate. But, if you break the handset, the excess charge will kick in. If it’s a lot of money for a common problem, it’s a waste as the odds are you’ll have to pay the deductible as well as the flat rate.
Don’t Use It
The obvious solution is not to use your policy. That way, there is no need to claim for a repair or a replacement. It’s easy to say this than to do it typically, yet there are ways to protect your smartphone. A phone case is the cheapest, easiest and most accessible option. The best Samsung Galaxy S10+ cases are very sturdy and require a lot of pressure to break, as are the majority of covers. Alternatively, you can buy a waterproof one so that it doesn’t fry in the rain.
Raise The Cap
Some insurers only permit two claims every year. For people who are accident-prone, this is a problem as you may break your phone three or four times. By raising the cap, it provides extra flexibility and coverage should something go wrong. Although the premium will increase, it may be worth it relative to the potential damage. Anybody who thinks they will cause hundreds of dollars’ worth of damage can excuse paying an extra $5 a month. The other option is to find an insurer that doesn’t cap your claims.
As long as you do your research and check the fine print, your plan shouldn’t be expensive.