Where can I buy an iPhone for less than through my service carrier?

I just exactly one year left on my contract through Verizon, and my phone, an HTC Rhyme, is acting up and not performing as it should. I have decided that I want to join Team iPhone, but because my contract isn't up I would have to pay $450-650 depending on which version I want. I know that I can buy phones on eBay, but is that reliable? Is there anyway I can get it cheaper through Verizon? Any other suggestions? I know this is kind of dumb because iPhone are expensive, but I'm a college student and don't exactly have $500 laying around.

Verizon usually won't budge on their prices. I would suggest either eBay or Craigslist. If I were gonna buy something on eBay I would definitely check the sellers rating. Usually if they have a good rating they won't try to screw you over. Hope this helped. Good luck with your phone purchase. Have a great day!