I always get insurance on my phones as seems i always use insurance loll like dh leaving his phone on top of car and driving off - just little things like that. So the insurance is 7.99 a month on the droid as well.
also the incredible has the fastest processor and why so much more due to 8mp camera and processor and suppose to be faster than iphone as i really wanted iphone but verizon has not come out with it yet
The thing with iphone is you have to send out for battery and they do not have insurance on that phone so why i am leaning to staying with verizon and getting the incredible