Can I outsmart Verizon? Pls help?

Hey guys.
SO - My contract isn't up for a while.
Instead of buying the Droid Incredible for 499.99 from them - Could I possibly find a way to order the Droid HTC Incredible from someone else for less, and then ask them to switch the service over? Data - contacts and pic, and all?

OR

Do I have to buy it from them once my contract is up for it to work?

On Alltel in the middle of your contract you can switch phones to a phone that you already have, it just resets your contract for another year.

Anyway to do the phone switching early and get around this fee?
 
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