re: What is the earliest you have gotten a phone upgrade with Verizon?

If you have insurance with Verizon, adding a dummy line isn't a bad option. To add the line is $20/month. Cancel your insurance will save you $10/month. Bill will go up $10/month and you can get the phone of your choice and keep your old phone in case the new phone breaks. This will then allow you to upgrade more frequently and you can keep the phone or sell. Brand new, unlocked phones sell on eBay b/w $600-$800. Over a 24-month period, you spend $240 more, get a new phone with contract for $200. Sell for $800. $360 profit.