Why you Shouldn't Go Cheap on Your Next Cell Phone

In the past few years the cell phone has morphed into the smart phone. I got my first cell phone in 1999 and it was a pre-paid. I only had it for an emergency. Now I can't leave the house without it. Having a quality smart phone is one of the most important purchases you can make these days. Smart phones have more bells and whistles, but they still make calls. Don't be intimidated by all the things an Iphone,  Motorola Droid, or the newly crowned Nexus One from Google can do.

First when you buy a smart phone always get insurance. Most high end phones cost over $500 dollars without a contract, and I'm sure you don't want to cough that up yourself when you accidentally drop it in the toilet (like my wife did 2 years ago). The next reason to go with a high-end phone is because technology is always changing. I bought the HTC Mogul in November 2007. In March 2009 I started having problems with my phone. I called the insurance company and the HTC Mogul had been replaced by the HTC Touch Pro so they upgraded me to the newer phone.

When you have an expensive phone and something goes wrong you will never be down graded to something lesser. That's were the extra few bucks a month comes in handy for the insurance. I did have to pay a $50 dollars deductible, but the phone retailed for about $540 bucks at the time. That's a small price compared to what it would cost if you don't have the insurance.

Timing is also key. As a Sprint customer I can get $150 dollars off a new phone every 2 years. So know what your carrier offers and with possible rebates the price of new phone could really drop. If you need some help here is a smart phone guide to let you know what each of the top phones can do. I hope everyone has a great weekend. See you on Monday.