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Not sure what your suggesting here....make sure you drop your phone in the first year? or if you don't have Applecare in the second year, it costs half as much?

Most of us trade up every year, even on carrier payment plans, we dont own the phones for more than 12 months. So you never need to worry about the 2nd year.

So it's not costing $199 but roughly more than half that when you get your refund from Apple in fall 2018
 
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Right, but remember that is IF you keep the phone 2 years. Applecare can be cancelled after the 12 months and prorated, so you get 50% back or $99.50 minus the 10% cancellation charge of $9.95

Or if the 2018 devices are back on normal schedule in 11 months a bit more because you'll get back 13 months ($107.79 minus $10.78)

So you're really at worst only in for $110 plus $29 or $99

$140 is way less than $279 (half) and $210 is way way less than $550 (well under half).

any insurance in life is a gamble of never using it, but it seems like $110 isn't a huge gamble to lose.

your math doesn't work because if you get a new iPhone in 1 year you are I assume just going to buy another AppleCare+ policy on it so bottom line is you are paying $100 a year for the coverage FOREVER. It's gambling obviously but I would argue for MOST people if you just set aside $100 a year every year for "phone" damage you would pay for most damage out of pocket since most go years and years without damage.
 
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your math doesn't work because if you get a new iPhone in 1 year you are I assume just going to buy another AppleCare+ policy on it so bottom line is you are paying $100 a year for the coverage FOREVER. It's gambling obviously but I would argue for MOST people if you just set aside $100 a year every year for "phone" damage you would pay for most damage out of pocket since most go years and years without damage.

Sure, or you freak break the back glass of this years model and a screen next year's and you're sunk $480 extra than you could have been ($110 plus $99, and $110 plus $29 respectively for each incident buying Applecare each year with the 1 year cost and deductible versus $550 and $279).

Things happen and any insurance is always a gamble. I know car insurance is required by law usually so not a great comparison, but think how much you've spent yearly times years owning the car. You could've paid for any minor issues with that money too and self insured; say $2k a year and you own it 5 years on a $30k car. $10k fixes a lot of small stuff. But that 1 freak incident running $18k of repairs on a $30k car (negate the totaled argument for this) you're sure glad you have it.

Similar here, that one freak glass back break will cost over 50% of the 64gb model cost; or under 25% with insurance including the insurance cost.

Have I ever broken a phone, no. Do i want to sink more than 50% of the phone value in for simple broken back glass, no. That $550 is the killer, not so much screen repair. If it was $399 like the 8 Plus (same materials per the keynote too) it'd be a much harder decision to get it.

Im not telling anyone to or not to buy it, it's personal choice. Im saying why I m buying it personally after never having insurance for years based on the numbers.
 
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I'd have to look that up, but I doubt it... when the iPhone 4s (glass back) was out, the back cost the same (if not less) than the display.
The glass back on the X and 8 models don't have a removable back like the 4/4s. Its the entire damage fee if you crack the back. The entire phone has to be replaced.
 
I know you have the choice to get one or not but the price reaching through the roof it feels like you are being forced to buy into it. Obviously Apple has anticipated this smart devices market saturation. The sells is going down no matter what. But Timmy knows the solution to this problem, build a glass phone and raise the repair cost and Apple Care price. That’s right there is a price of a phone itself for screen replacement. Brilliant and only us suckers always fall for this.
 
well lets break it down...

$279 screen damage, $549 other damage
vs. paying $199 for AppleCare+ and if you have an issue $29 screen, $99 other

BUT... including the cost of AppleCare+ that means for your first damage you actually paid $228 for a screen, $398 for other damage... not that much of a difference vs. NOT buying AppleCare+.

IMHO AppleCare+ is only worth it if you think it is very likely you will have damage more than once in the one or two years you plan on owning the phone. I know I'm doomed now that I say this but I've now had 9 YEARS worth of iPhones BOTH for my wife and I and we have *never* had a damage claim. I'm sure it will happen but 9 years of NOT paying AppleCare buys a lot of fixes.

Your “other number” is incorrect. $199 plus $99 is $298 not $398. With the correct figure $298 is far better than $549. We’re talking almost a 50% decrease. In terms of $228 vs $279 it’s only a $51 difference, but any money saved is a good thing. I personally wanted to go without AC+.
I never really have issues with my devices. However, with the intelligent and systematic increase in out of warranty costs, it’s a rather large gamble unless you have a seriously healthy disposable income or your CC company covers it.
 
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I assume it's been said already.... but a case and screen protector will run you about $20.
 
Cost of ownership. It's like a Porsche, Mercedes, or BMW owner complaining their labor and parts each cost more than 2X for the same repair on a Honda.

You've got the top-of-the-line Mercedes and all the bragging rights. No complaining.
 
Just realized that Chase Ink Preferred card will reimburse cardholders for ‘damage to, theft of, or involuntary and accidental parting’ as long as I pay my cell phone bill using the card. I guess with this I don't really need AC+ since I never break/damage my phone for last 8 years.

Claims:
- $100 deductible
- Maximum 3 claims per 12 months
- Limited to $600 per claim
 
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Just realized that Chase Ink Preferred card will reimburse cardholders for ‘damage to, theft of, or involuntary and accidental parting’ as long as I pay my cell phone bill using the card. I guess with this I don't really need AC+ since I never break/damage my phone for last 8 years.

Claims:
- $100 deductible
- Maximum 3 claims per 12 months
- Limited to $600 per claim

But does this cover the device if it is paid for in monthly installments as opposed to being purchased in full. Most credit card extended warranties only cover the latter situation.
 
More I think about it the cost of mobile phones is crazy. Apple are my first choice in electronics but it’s getting to the point I just don’t see their value. Not as dependent on the eco system anymore. However I still won’t jump ship to crappy windows or Android. It’s more the movies/music and smart home where I’ve diversified.
As long as you hold fast to the latter, underlined portion, then the former will never come to fruition. Nothing wrong with that if that floats your boat, but that does indeed mean you're locked in as an Apple user as far as that goes.
 
Maybe the cost will stop idiots from mistreating their phones and encourage them to look after them like normal people seem to be able to manage?
If you drop your phone. Your an idiot? :rolleyes:
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Cost of ownership. It's like a Porsche, Mercedes, or BMW owner complaining their labor and parts each cost more than 2X for the same repair on a Honda.

You've got the top-of-the-line Mercedes and all the bragging rights. No complaining.
Why would you brag about a phone? It’s a tool not a Mercedes.
 
Question about AppleCare...I know we have 60 days to purchase applecare just wondering does that 60 days beginning when we get the iphone (shipped) or the day we place the order? I have a Nov 17-24th date..
 
I've never cracked a screen or back on any iPhone I've owned x7, I would still be ahead a lot if I paid full price for any repair. I've never had AppleCare on any and pay with a credit card that doubles the warranty.
 
It's too bad when buying an iPhone that the consumer has to make the same choices as when buying a high performance or luxury car -- "can I afford the repairs?". Welcome to the world of >$1000 phones.
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What if you crack the back AND crack the screen at the same time? $550 or $830?
Do you really need to ask? Ka-ching!
 
And this one of the reasons why I signed up for IUP. I've always lived on the edge with every iphone previous to this one but at $279 just for the screen and $549 for anything else, that's an ouchie to the wallet if something does happen.

On the flips side, with IUP and applecare+ now I can go caseless!

You still have to make an appointment and pay the $29 when your screen shatters after 5 or so drops. Every person I've ever seen outside without a case a couple months after the release has had a shattered screen that is probably 10x worse than having to use it with a case and glass protector. You also wear down the internal components of the phone with each bare drop, which may shorten the lifespan. I have never felt comfortable using a phone without a case unless the screen was already shattered. That moment when your screen breaks never feels good. Some people do like going to the Apple store though or getting cheap 3rd party screen repairs.
 
Cost of ownership. It's like a Porsche, Mercedes, or BMW owner complaining their labor and parts each cost more than 2X for the same repair on a Honda.

You've got the top-of-the-line Mercedes and all the bragging rights. No complaining.

$5,000 for each scheduled service.

maxresdefault.jpg
 
Ha. It's cheaper for me to buy an LTE AW than risk running with the X -- I historically take a glorious cement dive annually and crack my screen. Anyway -- I'm definetly jumping on the Wells Fargo card that offers free cell phone clumsy insurance.

Yes everyone should sign up for the autopay with the Wells Fargo credit card that covers loss and damage to any phone no matter the age. It only works with postpaid plans though.
 
I preordered this phone but having second thoughts about keeping it reading all the prices. Basically $1500 for a phone, the $200 warranty just lowers your fee for replacing the front glass, then the back is made of glass which seems ridiculous or greedy on Apple's part as if they want you to break it so they take even more of your money.
 
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