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Is your current cell phone contract up, or are you looking to renew? Are you looking for the best deal? Here are a few things you should consider before resigning right away just to get that great new piece of crap phone!

Are they trying to get you to sign a 2 year contract? Make sure you read the fine print! For example ? Can you change your rate plan without extending your contract for another 2 years? Most companies will not tell you that you are extending your contract. This is important if you are not sure how many minutes you will be using, or if you need to travel a few months out of the year and switch to that more expensive national plan. Another question is ?Will I roam?? and if so, ?What will I be charged??

If you can afford the phone at the 1-year or no contract price, DO IT! Because I can assure you that 99% of the time your phone will not last you 2 years.

You can purchase phone insurance, which in my opinion seems to be a pretty good deal. If you are accident-prone then $5 to $10 per month will allow you to get the same phone for $50 -$100 if you break or lose your phone. The only catch is you can only file 2 claims a year, and if you lose it or its stolen you must file a police report.(read the fine print)

The phone you are most interested in, will only be pushed upon you if it is the biggest ?money maker?. Cell companies get paid per activation; they don?t make their money off of selling phones. SO what that means is on a NEW 2 year activation they will try to get you into that free or cheap phone, because that means more money for the company and probably a bigger ?spiff? for the sales rep. Don?t fall for it, the best phones I have found are generally the middle price range from $60-$100. Another rip off is buying a $300 phone with a $100 mail-in-rebate. How often do you get a mail-in-rebate back? You usually get a letter from the company stating you didn?t give them everything needed, so in other words, you got screwed! The bottom line is, if you get a free or cheap phone, don?t expect much.

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