Getting a new phone over a cracked screen?

Would you get a new phone over a cracked screen. My samsung galaxy screen got cracked along the whole top by the camera and sensors. It looks so ugly but ide have to pay 175 for a new phone insurance deductible and im budgeting for my new arrival. So it would be instead lets say of some other not must have but would want. Like a new car seat to make my stroller a travel system. Even tho i have a car seat that my other baby used (they will be irish twins) and its still in great condition no accidents etc. My boy only outgrew it a few months ago.