Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Is it better to pay an insurance deductible, or get an upgrade?
I would go for the upgrade and cancel the insurance. It's been 5 years since I left the post paid subsidized phone world and I'm WAY better off.  I use ATT GoPhone and I buy my phones in cash.  If I shatter my phone, I replace the screen or simply buy a new one.  Sites like swappa.com make buying and selling phones a breeze and you save a bundle of money leaving the carrier subsidies and ridiculous insurance programs on the table.