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3g is the faster network it uses, not the "generation". You can get insurance on it, either through ATT or and normal Insurance provider (allstate, farmers, etc will insure it for dirt cheap) - the new iPhone will have active GPS, which should be sweet. I think the touch screen is nice, although it takes some getting used to. I dont own one, but my parents do, and they use them constantly, so the must be user friendly. I think the iphone data plan is $20/mo ontop of your normal plan, and remove any company discounts you get, the iphone plan is not elligable to receive them. This is why I wont be owning one. I like paying less than $45/mo for a cell phone. I dont need all that fancy crapola.
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