I bought a phone recently for the same reasons, didn't want a contract and wanted the option to cancel when I wanted to. Ended up going with Virgin Mobile... cheap phones (I think the nokia is on sale at Best Buy right now for 79.99) and the phone cards expire after 4 months (I think it's 30 or 60 days with the other pay as you go guys). They use the bell netowrk so coverage is fine.
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