![]() 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, says Marsha Barnes, a personal finance expert and founder of the Finance Bar. That $7 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. If you use Appleās no-interest financing for 24 months, the same phone costs $33 per month without AppleCare+. If you buy an iPhone 14 with 128 gigabytes of storage, for example, it costs $40 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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