Verizon Wireless - Replacing a broken phone?

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I have to go soon, so like, let me just give you a few (a few?) facts (:
-Env2 will not charge (it's not the charger or the battery)
-Warranty is over
-I've had the phone for more than a year
-I'm up to date with my bills
-I'm not eligible for an upgrade until April 2010 (I'm on a 2 year contract)
-I'm on a FamilyPlan with 3 other people
-The last thing I want to do is buy a phone from eBay - I've had problems with buying phones from eBay before (& I don't think my parents are going to let me(:)
-I don't want to spend a bazillion thousand dollars
-I want a decent phone (maybe the env2 again?(:)
My question is: is there any way I can get a new cell phone for a discounted price from Verizon Wireless, by like, extending my contract? Or something? Paha, thanks(:
and I'm almost positive I'm not paying for insurance, but somebody told me I could be but I don't know about it? I'm confused. But yeah, thanks:)
 
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