According to Mahoose, the monthly insurance premium on a 20K car is about 1.11% of value. With the mentioned PDA insurance, the monthly premium on a $450 PDA is also 1.11% of value.
The deductible on the car is 10% of value, while the deductible on a $450 PDA would be only 8% of value.
Although this deal does not appeal to me, by Mahoose's own logic it doesn't seem too bad a deal. Certainly not one that deserves such a venemous, immature response.
Personally I've had two Palms screens break so far. Maybe the deal should appeal to me, then again maybe I should just be more careful