Another great place to get phones is Costco. They have a lifetime guarantee on all phones. I did have to check with customer service because I didn't quite believe the phone sales people at Costco. Costco Customer Service said certainly - no matter why you want to return it (even if you just want a new one), as long as you have the box, the receipt and the accessories, bring it back for a full refund. And don't feel guilty because Costco said they get reimbursed by the phone manufacturer.
So, you make an initial investment for the first phone and then tuck the box away with the receipt, the manual, etc and you can bring it back anytime for a full refund and then just use that money for a new phone. And the nice thing is you don't have to sign any contracts - you are just changing the phone. At least that is the way it works for our provider.
Last year, I had a phone that was broken. Not due to hard use or anything. I also had insurance on it. However, when I brought it in, the service rep found a microscopic nick on the phone - completely unrelated to the problem, and told me that the phone had been abused and the insurance was voided.
So, I headed off to Costco to get a replacement phone because I wasn't going to sign another contract. I just returned it after a year of use for a full refund and got an upgraded phone for just $10.00 more,.