The Five Commandments of Buying Mobile Phone Insurance
Many mobile phone insurance companies rely on misleading tactics to get you to sign up, but with just a little bit of research and these 5 commandments, you’ll be able to make the right decision when it comes to protecting your mobile phone. You can start here by scrolling down and clicking read more or keep reading this introduction! It’s up to you...
Thou shalt do thy research
Duh. First and foremost, it's important to know what you're looking for in a phone insurance policy. Once you know that, you can then look for the right company to get it from. Typically, the carrier or store where you purchase your phone is your best bet - they offer insurance at a flat rate so it'll save money in the long run if anything goes wrong with your device while still remaining reasonably priced. You should also check sites like SquareTrade or Protect Your Bubble, who offer cell phone warranty plans at a reasonable price and have great customer service. The other commandment we have is this: be smart about shopping! Make sure you read reviews before committing to buying something, because there are a lot of bad policies out there. Remember, even if you buy the most expensive policy available, it may not be worth it if it doesn't cover everything that might happen to your phone. For example, some carriers' warranties will only cover manufacturing defects but not damage caused by accidents such as drops or water damage; others won't pay up until an item has been broken for two years; some will only fix devices once every two years; and others only reimburse customers 50% on repair costs (because they use refurbished parts). So do your research! That way, you'll find the right plan for your needs without spending too much. - Do your research to make sure you don't end up paying for services you don't need
- Check out these five commandments when considering mobile phone insurance
- Keep in mind, however, that there are many different types of phones and mobile networks
- Always make sure the carrier/seller has a good reputation.
Thou shalt read the fine print
Make sure you read the terms and conditions of your insurance policy before signing up to buy. This will ensure that you understand what is and isn't covered, and how much it'll cost in case your phone sustains a cracked screen or some other damage. Be wary of situations where the company automatically charges your credit card after your first claim, or when they don't disclose if they're going to lock your phone's SIM card in case it becomes lost. Stay aware at all times. Accidents happen when we least expect them, but with a little care, the outcome might not be as dire as you think! If anything does happen to your phone while you have an active mobile phone insurance plan, there are two options: file a claim and get reimbursed for the repair costs (or replacement cost), or pay out-of-pocket and then file for reimbursement later on. Remember, though, that filing an insurance claim means letting go of any warranty protection on your device - so if something goes wrong again right away, you may end up paying more money in the long run than if you had just taken it into a shop for repairs! That being said, mobile phone insurance is still worth it because it will save you from having to deal with the hassle of finding a technician yourself and taking time off work to drive somewhere. It also can help alleviate some concerns about potential water damage if you live near the beach or do any type of outdoor activities like hiking or biking. Plus, since smartphone prices seem to be going up every year, you won't want to break your current one by accident and have no way of getting a new one. Nowadays we rely on our phones for everything, so protecting it with mobile phone insurance makes sense. Plus, most carriers only offer warranties that last 12 months anyway; this way you can rest easy knowing that if anything happens outside of their coverage window, your device will still be protected by a longer term plan. Just make sure to read the fine print when looking at plans to see what each offers and whether or not they'll cover new models down the line! After all, who wants to pay full price for a brand new iPhone 11s? There are five commandments when buying mobile phone insurance. Thou shalt read the fine print. Thou shalt compare prices between different providers. Thou shalt purchase a policy without the option of automatic monthly payments. Thou shalt use common sense and caution around water, sand, and other hazards. And thou shalt keep an eye on newer model releases to make sure that thy equipment is always covered! Mobile phone insurance is a great idea, and you should definitely consider it if you don't already have a robust warranty on your equipment. All the best of luck to thee!
One of the biggest mistakes people make when it comes to insurance is that they fail to actually look at the fine print. Read through your mobile phone insurance plan and familiarize yourself with its contents, including limitations on data loss and liquid damage. While you need to take precautions such as using a protective case to avoid accidentally breaking your phone, it’s important that you know exactly what you’re paying for! Don’t fall victim to thinking that mobile phone insurance is simple: if you don't read the language of your contract, then you could miss crucial details or find that your contract doesn't actually protect you against certain losses.
Thou shalt compare policies
#5: Thou shalt compare policies. Know what type of insurance you want and find at least three different providers to compare the price, coverage, deductibles, and perks.
#4: Thou shalt stay organized. Keep all receipts for filing your claim and don't forget to take screenshots for evidence against fraudulent activity or accidental damage. #3: Thou shalt buy what is appropriate for you. If you are an avid phone user who takes risks with their phone, an extended warranty may be worth it for you but if you're just looking for the basics then one year is more than enough! #2: Thou shalt ask questions about coverage - like deductible amount and exclusions list so that there are no surprises after filing a claim on your broken screen. #1: Thou shalt get insured! Without protection, you could end up paying $200+ out-of-pocket to repair or replace your damaged device. But when purchasing mobile phone insurance make sure it covers everything you need in case of an accident or theft. Some plans cover lost phones and tablets while others do not. Also check if the plan will cover the replacement cost of the lost phone or tablet. These days devices can cost upwards of $1000, meaning even though you might have paid less than $100 for your monthly fee it's not worth it without full coverage! Lastly, don't forget to check if they offer discounts for multiple lines as this could save you quite a bit of money over time. After doing some research we found that one provider offered 10% off per line per month and another was 5% off per line per month. It's important to keep these things in mind before making a final decision because most people have more than one phone (even though they probably shouldn't). The last thing you want is higher monthly fees due to forgetting about other services offered by the provider. In our experience, getting insurance for both our personal and work phones has been well worth it as we've had nothing but good luck with them since we've been using them! We highly recommend checking out the following link to see which provider best suits your needs. There are many different options available and it's important to get the right coverage for your specific situation. Make sure you read through the terms of service carefully and know exactly what you're buying into. Even though buying a new phone is expensive, it's much cheaper than having to pay upfront when something goes wrong!
Thou shalt always be wary when buying insurance online
Even when you’re purchasing the insurance through a trustworthy company, it’s crucial to pay attention to what’s on the contract before signing. Make sure the coverage matches your needs and check for clauses like deductibles and how long after purchase you have to notify them about a damaged phone. Know what other types of things are typically covered and ensure your chosen plan covers them too. Not every device is worth insurance-related premiums or risking unexpected disaster or theft, so consider whether your device has value for potential thieves. For example, if you don’t care about the data that might be lost from a stolen phone but want protection against physical damage and theft, then carrier insurance might be better than third party options. Similarly, if you need peace of mind that your handset will be replaced in time for an important event (birthday or holiday), then buying insurance from Apple or Samsung might help you rest easy. If you just want someone else to fix your screen because it’s gotten too many scratches, then third party mobile repair may suffice. However, this decision is up to the individual's needs and budget. It's also good to keep in mind that with the exception of AppleCare+, manufacturer warranties do not cover accidental damage unless explicitly stated otherwise. So while they're typically helpful in case something goes wrong within the first year of ownership, there's no guarantee that accidents can't happen later down the line. Again, it comes down to understanding your own personal needs and preferences.
Just as with any major purchase, it pays to get the most out of your money by doing research and understanding what your goals are. Mobile phone insurance provides peace of mind for some people, but others can live without it. Figure out which one is right for you by asking yourself: How much am I willing to spend? What features am I looking for? And most importantly, how much do I know about my own habits? Mobile phones cost less and less each year, so it may not make sense to waste money on insurance if you’ve had yours for years. Do you take really good care of your device? Do you protect it with a case? Is the replacement cost less than your deductible amount? The answers to these questions will let you know whether buying mobile phone insurance is right for you.
Thou shalt consider not buying insurance at all
There are plenty of things to consider when you're buying mobile phone insurance. Here are five commandments that will help make your decision easier. ____Thou shalt consider not buying insurance at all. No matter what someone tells you, the protection may not be worth the price you'll have to pay for it. You may have a small deductible with your homeowner's or renter's insurance in case your phone is stolen or damaged and so, if that happens, you're covered. On top of that, a lot of times they'll just offer to replace the phone with something comparable rather than pay out a bunch of money on insurance claims every year. The best thing about this option is that you know how much it will cost before you buy the plan. If there's one thing we know about insurance plans, it's that they always get more expensive as time goes by. It might be tempting to take an option with a $200 annual fee instead of $150 because then your monthly bill will only go up by fifty cents but even over ten years that can add up to hundreds more than if you had chosen the cheaper plan upfront. It might seem like common sense but this lesson was definitely learned the hard way and nobody wants any readers going through what I did! Don't forget: The less coverage you buy upfront, the less chance there is for something happening in the first place! Thou shalt look into whether you need a replacement warranty or extended warranty: Depending on the carrier, some phones come with an extended warranty while others don't. If you don't purchase an extended warranty when you buy your phone outright, it could come back to bite you down the line. One day the screen breaks or doesn't work and instead of paying $30-$50 for repairs (or finding another used one), you now have to shell out $300+ for a new device and all those savings from getting rid of your insurance plan go right out the window. That said, there are lots of cases where extended warranties do end up being worth it depending on who made your phone and what kind of hardware comes inside. For example, Apple has notoriously fragile screens which makes having a replacement warranty invaluable. Samsung devices also tend to break relatively easily so if you're looking at a Galaxy S8 or Note 8 model, you'll want to invest in one that lasts longer than 12 months because screens and other components tend to go bad sooner than later. And lastly, anything with liquid damage should be immediately sent off for repair since water damage can cause bigger problems down the road such as corroded circuitry or rusting screws. Thou shalt remember these tips when purchasing mobile phone insurance: 1) Consider not buying it at all 2) Consider having your manufacturer's warranty replace it 3) Consider getting an extended warranty 4) Consider what type of risks would apply to me 5) Remember these tips when purchasing mobile phone insurance.
Posts
