SWITCHING LINE FROM ONE ACCOUNT TO ANOTHER.....WILL IT RENEW?

I have a 2G iPhone now. I am on my mothers account. She is the primary account holder. I created a separate account as myself as the primary account holder for my girlfriends line. I would like to purchase the 3G iPhone tomorrow. It says you need to have the primary account holder present to purchase iPhone 3G. I would like to put my line from the account I am with now (Mothers Primary Account) to my account (Myself Primary Account). That away I do not need her to come down with me to buy the phone. NOW MY QUESTION IS IF I TRANSFER MY 2G IPHONE (SAME NUMBER AND SIM CARD) FROM ONE ACCOUNT TO ANOTHER WILL THAT RENEW MY CONTRACT FOR THAT LINE/ MAKE ME INELLIGABLE FOR THE UPGRADE OF THE $299 FOR THE 16GB?

DON'T TELL ME HOW TO LIVE MY LIFE.

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