I've had my Storm now for over two months, and the clicking has gone downhill significantly in the past week. I'm fed up with the slow operating speeds of this phone (I'm still using .75) and the slow typing speeds. But to the point, I want to "downgrade" to a Curve. I have had the phone for more than two months, and I have full phone insurance. How would I go about doing this? Is it possible to do without paying the full retail price?