whatever carrier's plan is overpriced in so. ca. comparing to other states and canada.
pacbell - now cingular's $40 300 min unlimited ld, weeknight weekend, sms plan is very reasonable and I'd say it's a deal.
provider can kill your phone thru sim via network, if you want to cheat insurance, remember to turn off the phone first. later they can determine that lost phone reappear in network, very few people are doing this, it's not worth for them to spend time and money to catch such people.
another problem - which gsm1900 carrier allows you to bring own phone to open new line without contract?