Iphone 4 charging connectivity

I have had my IPhone 4 through Verizon for almost 2 years now. Recently it stopped being able to charge - through car charger, wall charger, and USB ports. Itunes wont recognize it...nothing works. I finally shut it down with about 4% power left. The prongs to the connector are look straight and in tact...with no dust/dirt clogging them.
I went to Verizon and they told me to submit an insurance claim. I contacted my insurance company through Verizon (Asurion) and they want $169 to give me a replacement Iphone. I don't have an upgrade through Verizon until November of this year...so I cant use that option.
Any suggestions? I really don't want to pay $169 for a replacement IPhone especially when there is likely a new model coming out this year which I planned to purchase.
Should I take my phone to the Apple store to see if they can fix the connection? I don't have apple care...not sure if that matters.
Thanks!

HI asadziya,
Thanks for using Apple Support Communities.
For information on this, take a look at this article:
iPod not recognized in 'My Computer' and in iTunes for Windows
http://support.apple.com/kb/ts1369
and
For more information on this, take a look at this article:
iOS: Device not recognized in iTunes for Windows
http://support.apple.com/kb/ts1538
Best of luck,
Mario

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