Wanting Blackberry...but whats the monthly cost?

I have a Blackberry 7250 from Sprint that I bought for $ 99.00 at the Deaf Nation Expo last year. I pay 29.99 a month for service which includes email, Ramble IM, Blackberry IM, Sprint Relay, etc. I pay an extra $8.00 per month for 500 SMS text messages ( Unlimited text messages is $15.00/mo) because I was told by Sprint that text messages were not free. Also an extra 6 dollars per month for insurance so that my Blackberry will be replaced for free if stolen or damaged. So total cost to me including tax is 44 dollars a month. Not a bad deal.
 
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