You Can Buy AppleCare Later
Apple is going to try and sell you on AppleCare when you go to buy your iPhone XR. Many of you will eventually want to buy it, but you don't have to make the decision during the pre-order process.
If you're unfamiliar with AppleCare, it's Apple’s extended warranty service. It includes technical support, coverage for hardware repair and accidental damage, theft, and loss depending on which version you choose.
If you don't have time to research AppleCare before iPhone XR pre-orders start, you'll want to skip it and do the research after you buy your phone.
You should have a 30 day window to buy AppleCare which means you'll be able to buy your iPhone XR and snag AppleCare later. Just remember to do so.
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