Case or insurance?

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http://forums.androidcentral.com – Would you rather pay $7/month and $100 deductible for insurance and go without a case. Or buy a case and ditch insurance? I have always had insurance and typically go without a case. If I get a case it's a thin one. I just picked up an otterbox defender. I'm thinking about dropping insurance but I'm not entirely sure. (HowTos)