Why are you disgusted with your cell phone company when you're the one who dropped your phone!?!? Would you rather pay $89 for a replacement, or $500 for a brand new one, which is what you'd be paying if you had no insurance?? It costs $5 a month to suspend your service, but your contract is also suspended while your phone is off, and resumes when you un-suspend it. So no matter what, you will still have to complete the full length of your contract. Your ETF would be $310 right now.