How much does it actually cost per month to own a Droid Incredible on Verizon?

Super Melsa

New member
I know it's about $60 for talk+text, then $30 for data, and probably another $8 or so for insurance. (Is insurance worth it? If I get a killer phone like that, I want to be sure it's protected from all of my klutziness.) However, I've heard a lot about extra fees that aren't mentioned in the brochures, and I'm not sure what tax would be (I'm in NY.) How much do those factors add to the total bill?
 
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