Yesterday my 5s was perfect. I was ready for an upgrade anyway. Then I dropped it and cracked the screen. So today I went to verizon and I got a 6s. Later tonight I realize that I have paid insurance all along. Money wise would I have been better off to pay the deductible, get a replacement for the 5s and then upgrade? I think I got my chain pulled at the store. She never mentioned the insurance- 600 bucks later I walk out with a new phone. Maybe I got caught up in getting a new phone, but wouldn't it be better for me to return it and go the way I said above?
Depending on what your deductible is it might be cheaper to pay for the screen replacement yourself. Then you could sell the phone for more than you likely would have received if you traded it in.