A:Answer Hi, so I just got an iPhone XR a few weeks ago but I was replacing an old phone. I pay $31 and change a month but I did not provide a trade in phone.. I believe new customers get better deals. AND Verizon, buy far, is the most expensive phone plan... though Ive never had trouble with connections etc, I think Sprint and At&T offer better deals for all customers. not sure what you mean by unnecessary payments.. there are taxes and fees you pay per month ontop of phone payment and unlimited calling/text/data a access... and a one time fee of like $30