My iPhone XS Max is ready for upgrade and I am looking to get the new iPhone 14 Pro. The trade in value of my cracked phone is only $78 but I can replace it for $100 with insurance. With no crack the value of my phone is estimated up to $400 (but mobile will decide when they get the phone). Will Tmobile value my phone less knowing it is a refurbished replacement? Is it worth replacing with insurance before upgrading?
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