Sooner or later the odds are that you will end up with a broken phone. I've done it. Several times. I'm a cliche'. I've even dropped on in a toilet.What are the odds you will break your phone?We did a little research to see who breaks their phones. As it turns out, the odds are about 1 in 3 you will break or lose your phone. Pretty scary, eh?Did you know?- A British study done in 2013 calculated that the average time before someone breaks their iPhone was only 10 weeks!- Men are 70% more likely than women to lose their phone and when they break their phone, it happens most often in the driveway or garage.- Men are also 57% percent more likely to drop their phone in the toilet. Beware the back pocket!- 41% percent of the women who damaged their smart phones damaged them in the bathroom.- 23 million Americans have broken a phone at a sporting event; 12% flung it in a fit of passion and 13% dropped their phone into their beer.- 18-24 year olds are 16% more likely to break their phones than older users.What can you do about your broken phone?If you bought insurance you can ship it back for repair or replacement. If you didn't then the cost of repair is going to come out of your pocket, presuming your phone can be repaired. A new phone screen can easily be between $50 - $250 to repair depending upon your model.Just be aware that:That phone insurance policy you're likely paying $10-12 a month for has a big, fat deductible.Typical deductibles for a top of the line phone are going to be between $150 and $175!If they replace your phone, which is typical, they rarely send a new phone, they send a refurbished phone.Lower your riskKeeping your phone in a good case and using a tempered glass screen protector can help reduce the odds of major damage. Better cases have neoprene or some other cushioning substance to reduce shock if you drop your phone.The very best way to lower the risk of a major loss if you break your phone is to buy a used phone. Just buy paying less, you have less at risk and you can skip the expensive phone insurance and high deductibles. Depending upon the model you choose, you can purchase a year-old model for under $200.Good used phones are available under $100 and make a great choice for butterfingered individuals or even children.Check it out!Used SmartphonesUsed Phones Under $100