General Insurance for the S3 or skip?

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http://androidforums.com – I am getting ready to upgrade from my OG Evo to the new S3, and Sprint said my insurance will raise from $8 to $11 and the deductible will go from $100 to $150. So for my wife and I, we will be paying $22 per month in insurance combined. Maybe its better to drop and self-insure. What do others think and is the Samsung S3 known to be easy to break? (General)