Greater availability: You can buy an iPhone immediately in your choice of color and storage capacity at one of 272 Apple Store locations in the U.S. If you buy your phone through a carrier, you have to pay the full remaining balance before bolting. Switching carriers at any time: If you buy an unlocked phone through Apple, you can switch cell phone providers at will, even if you haven’t yet paid off your phone. Meanwhile, Verizon charges $17 per month for insurance and device protection, T-Mobile’s insurance ranges from $7 to $18 per month, and AT&T’s device protection plan costs $15 per month.
#Apple store iphone insurance upgrade
Adding theft and loss coverage to the AppleCare+ included in the iPhone Upgrade Program starts around $4 per month. Low insurance cost: Although you have the option to purchase cell phone insurance through your service provider, plans like that usually have a higher price than AppleCare+ and offer fewer benefits, says Marsha Barnes, a personal finance expert and founder of the Finance Bar. That $7 a month difference in price may be worth it to you if you want a new phone every year, plus the benefits of extended coverage. If you use Apple’s no-interest financing for 24 months, the same phone costs $33 per month without AppleCare+.
If you buy an iPhone 14 with 128 gigabytes of storage, for example, it costs $40 per month. The iPhone Upgrade Program starts at $40 per month, depending on the phone model you select. That means if your phone gets damaged, you can take it straight to Apple to have it fixed or replaced as part of your plan. Tech support: Baked into the iPhone Upgrade Program is AppleCare+, which is one of the few extended-warranty programs recommended by Consumer Reports for certain consumers.
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