P otentially missing special discounts: Although the iPhone rarely goes on sale anywhere, carriers often offer limited-time promotions if you trade in an old phone, add a new line, or switch to their service. The Apple Store also has a wider range of accessories than most carrier stores. Depending on your location, you might even be able to get 2-hour delivery. And, if not, you can have it shipped to you for free. Greater availability: The stockrooms in Apple Stores are flush with iPhones, so you have a better chance of finding the model you want in your choice of color and storage capacity. If you buy your phone through a carrier, you have to pay the full remaining balance before bolting. Switching carriers at any time: If you buy an unlocked phone through Apple, you can switch cell phone providers at will, even if you haven’t yet paid off your phone. Meanwhile, AT&T and Verizon charge $17 per month for insurance and device protection and at T-Mobile, it’s $18 per month. Adding theft and loss coverage to the AppleCare+ included in the iPhone Upgrade Program adds $2.91 per month. Low insurance cost: Although you have the option to purchase cell phone insurance through your service provider, plans like that usually have a higher price than AppleCare+ and offer fewer benefits. That $6.21 a month difference in price may be worth it to you if you want a new phone every year, plus the benefits of extended coverage.īoth options are subject to approval: The iPhone Upgrade option is technically a loan from Citizens One (and therefore may affect your credit score), while Apple’s zero-interest financing is only available with the Apple Card credit card. If you use Apple’s no-interest financing for 24 months, the same phone costs $33.29 per month without AppleCare+. If you buy an iPhone 15 with 128 gigabytes of storage, for example, it costs $39.50 per month. The iPhone Upgrade Program starts at $40 per month, depending on the phone model you select. That means if your phone gets damaged, you can take it straight to Apple to have it fixed or replaced as part of your plan. Tech support: Baked into the iPhone Upgrade Program is AppleCare+, which is one of the few extended-warranty programs recommended by Consumer Reports for certain consumers.
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