Actualización de dispositivo

I have three people and 2 devices each full coverage insurance and still can't get a new phone without having to pay full price. This phone is 6 days old and the third one I had to pay something after complaining and waiting for new on to get shipped to the store pay shipping fee and get told to go to different company no names and pay them out of my pocket to fix a 6 day phone that is still on display in the store. Should I get a free upgrade or I'm just over reacting. Please someone tell me to suck it up stop complaining. I will but Don't think it is right. I would treat my enemies this way 

it’ll also depend on which payment plan you are doing. if you are leasing the device then you’ll be making payments up until you pay off what is owed then unless you pay the purchase price then technically youre still renting it..you’ll have to pay the final requested amount to own it. just pay attention to which option you go for.

Thank you, gramps28.