[mosesbotbol]

I just fix it as it breaks. There's an iPhone repair shop walking distance from my house. On my iPhone 4, I cracked the back glass piece (why Apple would put glass on the back of a phone which was original slippery curved metal is beyond me), a new battery, and a new home key for $70. Screens are around $80 I think.

I was ready to buy a new phone and thought "This one does what I need, how about just fix it?" Was done in a couple of hours and couldn't be happier.

I find replacement warranties to be a gamble with consumer usually on the losing end; be it phone insurance or extended car warranties. Tire insurance sounds like a good option, but you have to do some shady maneuvers to reap the benefits.