It's ashame that you are so frustrated it appears over $50 bucks.. $99.00 - $149......also in regards to insurance. The deductible is based on the phones MSRP (manf. sugg. retail price). For many smartphones this varies from $350- $500.....so a $90 deductible is not bad. If you buy a subsidized phone.......2yr. contract price then insurance makes no sense.
You could pay full price for a phone to avoid contract and then perhaps the insurance would be beneficial.