There's something much better than cellphone insurance mentioned in "Good Calls When It Comes to Cellphones" [More for Your Money, by Jill Schensul, Oct. 12]: Here's what I do:
1. Buy my own phone and get less expensive service. For the last few years, my choice has been T-Mobile. Not only are the rates better than the others, the international service is spectacular if it's a country that has T-Mobile's parent, Vodafone. Unlimited 3G just like at home.
2. Use a service that uses SIM cards (AT&T, T-Mobile). You'll see why that's important in a minute.
3. Buy a spare phone, preferably the same model as your main phone. That way it can share batteries and...