My screen o my iPhone cracked?

So my screen of my iPhone 6 cracked because I dropped it by accident… I do have insurance on it… But they still want me to pay 90 dollars for it. But it's too much… Do you guys know where anywhere they fix iPhones for less? Or where they can ship me a new phone? I'm with Verizon btw… My phone still works though it's just cracked )

Screens are one of the more expensive things to replace and that's why insurers generally demand a surcharge on the insurance, in the case of yours, $90. It's easy to overlook that in the excitement of getting your phone at first, but there's no getting past it. It would cost much more to repair the screen anywhere else.
So, if you can still use the phone with its cracked screen and you can't afford the $90, best just get on and use if with the cracked screen. There's no-one who is going to bail you out and send you a new phone!