Exchanging droid for iphone 5. question re: insurance?

[sagegirl08]

Hello. I am brand new to Verizon and bought the Razr M. Nice phone but has 2 major issues for me: the camera and the annoying Google Now that keeps popping up when I'm typing a text.

I am considering going to the iphone and was told they have extended return policy for the holidays.

My questions are: What are the differences in insurance deductables between iphone and droid? Will monthly insurance cost be increased? And are there other hidden costs I should be aware of?

Thank you for helping!

Happy Holidays!

[Jax_Omen]

insurance goes up $3/month, the deductible goes from $99 to either $169 or $199 depending on iphone model (16gb and smaller is $169, 32gb and larger is $199). They also charge a $35 restocking fee on an exchange.

You may or may not be aware of these, but you'll have a $35 activation fee on your first month's bill as well, in addition to 1-30 days of service PLUS the month in advance (normal bills are *only* the month in advance). How many days of service depends on when you began service and when your first bill ends.

[sagegirl08]

I would have to pay a second activation fee?

[Jax_Omen]

Your activation fee is billed on your first month's bill. Anything you paid in-store was for your phone and accessories, and possibly any store processing fees if purchased through an authorized retailer.

[sagegirl08]

Understood, however, will I be charged a second activation fee if I exchange phones?

And so my $6.99 a month insurance would change to $9.99?

Thank you for your help Jax.

[Jax_Omen]

You would be charged a restocking fee (usually $35) on an exchange, this occurs immediately upon exchanging. And yes, $6.99 goes to $9.99.

[sagegirl08]

Boy, nothing is easy about this process...or cheap. Wish I had known better.

And what a drag the insurance costs more!

[Jax_Omen]

You will quickly find, EVERYTHING costs more for iPhones.

[sagegirl08]

Personally, do you think I should stick with the Razr M?

It's a good phone, but that Google Now nonsense keeps popping up while I'm texting! lol

[Jax_Omen]

Personally, I loathe the lack of control that users get in the Apple ecosystem. I also loathe the increased costs for accessories, insurance, and apps relative to Android.

If Google Now is annoying you, go into it and disable it, that was the first thing I did on my phone when I put android 4.1 on it

You mentioned an issue with the camera too, what problem are you having with the camera?