Maybe you get a business discount. I just checked for a $949.00 phone (wouldn't let me select $1149.00. Premium is $162.00. Am I doing it correctly?
Checked again...This time On a $1100.00 prem is $178.00????
After you select the $ coverage (you selected $949), in the black box right below that it will show another drop down for "Select Deductible" (it auto-selects $50), then right below that a select bar will come up for "Select Policy Term" (I selected 1 year). After you choose one then another select bar will show below that for "Payment Terms" (I selected "Full"). Use those drop downs to customize how much/when you want to pay.
When I select $949 / $50 deductible / 1 year term / payment in Full, it says "Your Quote: $81.00"