T Mobile or Verizon. Should I pay T-Mobile 175.00 for an upgrade or 94.00 to Verizon for new phone?

I want the iPhone 6s plus. I'm already with t mobile but there internet is a bit slow sometimes. Its the jump plan ill get. Ill pay 12.00 for 24 mo. And if i get a new phone they won't run my credit again. But with verizon they'll run my credit. Is pretty good. But i don't want anybody to really run my credit tho lower it. I'm not sure about verizon internet but the commercials looks pretty good. They bboth have unlimited internet. What should I do?

$12 time 24 is $288, so where does the $175 come from? I know that smartphone replacement with the Jump Plan is $175 if the phone gets lost, stolen or destroyed. And you have to pay at least half of the retail price of the phone to JUMP to a new phone at any time. But if you JUST start with a plan and phone, it is going to cost you MORE than $175 for the phone at both T-Mobile and Verizon, unless you are getting a limited time promotional reduction of the cost of the phone, or you are buying a refurbished phone.