AppleCare or Insurance for Iphone X cost

Insurance and Apple care is extra.  I highly recommend you order with Apples upgrade program with Apple care Plus.  This means a payment to Apple for the phone and you pay Att for service only.  

 Insurance with Asurion is not financially reasonable.    Asurion is full coverage, but you are paying for every dope who loses their phone or breaks it 3 times a year.  

Unless the phone is stolen or lost you are covered with Apple care PLus  at a far lower cost for a full 2 years.  

 There would be regular taxes and fees, but less than you pay now.  

There is a $30 upgrade fee if you upgrade with Att.  

The payment for the phone is simply the full retail price of the phone divided by either 24 or 30 depending on how many months you pick. So a $900 iphone X over 30 months would be $30/month. That does not include AppleCare or insurance. If you want AppleCare, you get that directly from Apple. You have 30 days or so after getting the phone to add AppleCare. Insurance is through ATT, I think it is $9.99/month but not sure. Personally, I would never buy the insurance. Unless you are prone to losing or breaking your phones (not covered by AppleCare), AppleCare is a much better product, IMHO.

Buy the phone thru apple....  There program in the case of the iphone x is better since they fix it on site.

@maliceinchains That choice plan is pretty bottom of the barrel as AT&T plans go (the only speed limited plan AT&T postpaid offers) when putting it with such a deluxe plan, it seems a little counterintuitive.

The phone cost is the price of the phone / the number of months you plan to pay. Apple include AppleCare in their upgrade every year plan (they charged for it too).

Someone told me I would be charged an additional fee if I didn't upgrade through At&t. I've never broken a phone but one was stolen years ago. Still, I don't want to chance it given how expensive this is.

 garylapointe How do I find the speed on my current plan? It's unlimited 4G LTE. That may not be a big change from my current speed. Which would be better? Keeping my old plan or switching? It looks like the 10GB plan would just cover my current use. My peak has been 10.43 so the 16GB would be too much.

The data speed on your current plan is whatever the network can handle. It could be anywhere from 1 mbps to 100 mbps or higher, though few places tend to get better than 30-50 mbps. Data speeds change depending on many factors including location, signal strength and number of other users. Best way to find out is download a speed test app.  I know the speed restriction on the Choice plan is a negative but unless you stream a lot of video, perhaps you consider giving it a try to see if it makes any difference on your usage. You can always switch to the plus or 10GB plan at any time.

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@maliceinchains wrote:

Someone told me I would be charged an additional fee if I didn't upgrade through At&t. I've never broken a phone but one was stolen years ago. Still, I don't want to chance it given how expensive this is.  

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Nope.  Not true.  I have purchased several phones, not a single one from Att.  Not only do I save the upgrade fee, but in my phones were cheaper than through ATT.  

  You might need a new SIM card from ATT, but that is $5 rather than the $30 upgrade fee.

Your warranty is from Apple, no carrier can touch it.  

    Insurance is up to you.  On top of the $9 a month premium the deductible starts at $225.  < read that again....$225.  And you get a refurbished replacement.   It declines at 6 and again at 12 months.  You are better off self-insuring (Bank $10 a month per phone).   

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@maliceinchains wrote:

How do I find the speed on my current plan? It's unlimited 4G LTE. That may not be a big change from my current speed. Which would be better? Keeping my old plan or switching? It looks like the 10GB plan would just cover my current use. My peak has been 10.43 so the 16GB would be too much.

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Your choice is extra slow 3Mbps or "as fast as they can serve it to you"; this could be 10Mbps or 40Mps or faster...