I Don't have insurance the bill was getting to expensive my mom took it off and I ordered ia case and it has not gotten here yet I just got this phone :smileysad:
There is not much you can do. If you just got the phone, I would assume you are not eligible for a discounted upgrade. To purchase a new one from Verizon, you will have to pay full retail.
An alternative would be to borrow an old phone from friends/relatives until you can either afford a full retail phone or you become eligible for a discount. You "just got this phone", you could also re-activate your previous phone to use. One last option would be to find a "lightly used" phone and purchase it from a site such as swappa.com.