Quoting adяiyanas mami:" Thats what im scared of. I got my galaxy a few months ago from verizon for free when my upgrade came ... [snip!] ... nor do i want to pay for a phone lol. but i can get the iphone 4 for free or the 4s for 99 99 with sprint.. i HATE verizon."
Go through Best Buy. They offer sooo much better warranties than the cell companies do. The S3 we got a few weeks ago was $50 at Best Buy. Their insurance is $1 more a month, BUT, they do not have a deductible. And they have lender phones if you ever do need a replacement. AND, if for some reason they cannot fix your phone, they give you store credit for the retail value of the phone when you got it. My photon went out in August, and they couldn't replace it so they ended up giving me a store credit for $700 and some change to go pick out a new phone.