Buyer Beware: Insurance may not be worth it. Verizon doesn't honor loyalty. I report, you decide.

Asurion Insurance may not be worth it, and Verizon doesn't stand by it's loyal customers. 
I've had a Motorola Droid (Original) for 2 years, and my contract just ended this month (March 2012).  My Droid's screen no longer accepts my touches.  After several reboots, battery removals, resets etc, the phone still won't recognized screen touches.  The Verizon rep at the store didn't know how to deal with it either.  "Sorry dude." was the reply.
We went over options of getting a new phone like the iPhone 4s or Droid Maxx etc, or doing an insurance claim. (I'm waiting a few months to see if the iPhone 5 is going to be worth another 2 year stretch). I was informed by the rep in the store and a rep on the phone that I would have to pay a deductible of $89 if I wanted to go that route.  So here's where I have an issue.  If I've had a phone for two years that by this time is obsolete, no longer sold and the model is worth a fraction of its original value, and if I've paid 6.99/mo for 24 months ($167.76), does it make sense for me to pay an additional $89.00 (= total of $256.76) deductible for a rehab'd old Droid?  Which is what was explained to me I may get.  "We have no control over the phone you receive". (new or refurbished)  So for me it's definitely not woth it.
I tried explaining this to the Verizon rep in the store and on the phone and they weren't sympathetic or possessed business savvy enough (or had the permission).  I was referred to Asurion, (as expected) and the Asurion rep jumped the price of the deductible up to $99.00.  The Verizon phone rep, and the Asurion phone rep both repeated to me several times "according to the contract that YOU agreed on, we will charge you $89.00/$99.00..."  The Verizon rep dumped me off on Asurion saying it's their insurance contract so I'd have to deal with them, since I didn't want to pay the deductible. The Asurion rep was just as "pass the buck" with "it's a contract you agreed to with Verizon not us," mentality.   Right away I called back to Verizon to get rid of my $6.99 insurance and they deleted it off my account. 
Even when I informed them that I'm no longer under contract (I was even nice about it) and can go anywhere else the reply was "that's your decision."  Too bad for Verizon that they don't stand by their customers. Too bad for Verizon wireless their attitude is "if you want to leave, don't let the door hit you on the way out." I can tell this was something the reps are trained to say and say it often; their responses were automatic, sounded rehearsed and robotic. 
I've been with Verizon for over 4 years (at least) so this attitude is a bit of stab in the back.  It's not good Verizon chose not to honor loyalty and stick by a customer who has completed at least two contracts.  Good news is, in this competitive environment, I can go anywhere for a phone, and service. 
I can understand if you just bought a phone that's normally $500.00 retail (no contract) and it went bad.  Paying an $89-$99 insurance deductible is possibly reasonable depending on the circumstances, but not in my situation nor in other loyal customer situations in similar situation. 
My take on it is;  find out about the manufacturer's warranty on a phone first before buying a phone.  The amount you'd pay for monthly insurance and deductible costs may not be worth it.  You may be better off having the manufacturer replace the phone, or just buying a new phone anyway.  Again...depending on your circumstances. 
Good news is, I'm no longer under contract and looking around.  My girlfriend is with Sprint and they've replaced two defective phones with NO CHARGE at all.  Looks like I'll be looking at Sprint's website after this. 

It amazes me how people can either sign up for something and not read/learn about it, or just assume that the terms will be ignored if they file a claim.
If I have a $500 deductible on my car and get in an accident, I will be paying that $500 deductible if my car is 1 month old or 10 yrs old. NO DIFFERENCE and my Honda dealership is not going to intervene with my insurance agent to see if "something can be done"!!!!!!!!
And yes, Assurion is a SEPARATE company from Verizon. They also provide insurance for other cellular providers such as
AT&T
Cellular One
Cellular One San Luis Obispo
Clear
Clearwire
Comcast
Dobson Cellular
Edge Wireless
Boost Mobile
Virgin Mobile USA
MetroPCS
nTelos
Palm
Rural Cellular
Sprint
Time Warner Cable
T-Mobile
Tracfone
Verizon Wireless

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