Broke my verizon iPhone before 2 year contract ended?

My brother just shattered by iPhone 4, and I still have until August 2013 for my 2 year contract to end. Is my only solution to get a new phone is by paying full price! I heard about an early upgrade. When could I get my early upgrade for a contract that ends in august?

Unless things change between now and August 2013, Verizon allows it's customers to upgrade 4 months before the contract end date, meaning that you would be able to upgrade in May 2013.

Do you have insurance on the iPhone 4? If so, then it is a simple matter of contacting Asurion and paying the deductible.

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