My iPhone 6 + screen cracked? What do I do?

My iPhone 6+ screen cracked and I have insurance with sprint that will cover it but it's $200 to fix it with sprint. If I fix it at a store that will charge less to fix it will I still have my insurance with sprint and will I be able to upgrade still when the time comes?

What kind of insuranceis this that doesn't pay for new screen? I switched from Sprint because they always pull this kind of BS on their customers. When your contract ends run over to at&t