We’ve just been handed some internal AT&T information on device changes:
A new tier of device will be created in AT&T’s phone database on October 4th (a Tuesday:) which will require a higher rate of insurance. iPhone and perhaps other devices will move there on October 4th. While light years away from a new iPhone launch date confirmation, it is a pretty curious anomaly and is close to the rumored launch of the next iPhone.
In any case, it might be a good idea to buy insurance before that date as the monthly prices are going up.