I have the verizon plan mentioned for $51-55ish. 250 text messages, insurance, however many anytime minutes (I do miss Cingular's Roll-Over minutes) and unlimited verizon and night/weekend calls.
I look at it as I pay $5/month for a pretty good cell phone plan. And that $5 is the insurance because I know I'm going to break the heck out of this Razr POS.
You submit it they pay it, up to about $80.00 is all I've tested. The only thing they got upset about was when I used the airplane's cell phone internationally for $60.00 of personal calls, I wrote them a check for that. The cell is a business expense so it costs what it costs in our department.
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