iPhone 13 Pro paid off wanting to upgrade to a new phone the speakers and this phone and camera do not work well is that going to affect me and how do I upgrade

It will affect the trade value of the phone. With a non-functioning camera and speaker not working, it won't be worth very much, but only Apple can tell you exactly what it would be worth in trade and this is a user to user only forum.

Biever Said:

"I have full insurance on it with a $200 deductible. Do you think it would be worth getting it repaired and then trading it in would they give me more than the deductible for a pristine phone?"

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Benefit of Paying Fixing an Item First:

If you have AppleCare, and they'll cover it for nothing, then it may bring the trade-in value up a bit more. But, it's just any other purchase --If you're buying a $3.00 coffee everyday --that's more than a grand a year! So, stop buying the coffee, and you'd be set to pay this all off.

Biever Said:

"iPhone 13 Pro paid off wanting to upgrade to a new phone the speakers and this phone and camera do not work well is that going to affect me and how do I upgrade"

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I. Troubleshooting iPhone Audio

A Few Links that May Help:

• If you Hear No Sound or Distorted Sound from your iPhone, iPad, or iPod touch Speaker - Apple Support
• Control Audio Playback on AirPods with iPhone - Apple Support
• Adjust Audio and Visual Settings on iPhone - Apple Support
• Adjust the Volume on iPhone - Apple Support
• Volume Output: If you Can't Hear a Person on a Call or Voicemail or if the Sound isn't Clear on your iPhone
• Volume Input: if your Microphone isn’t Working or People Can’t Hear you While you’re on a Call

II. Troubleshooting iPhone iSight Camera:

• Go Here: If the Camera or Flash on your iPhone, iPad, or iPod touch isn't Working - Apple Support
• Ungenuine Camera Message: About Genuine iPhone Cameras - Apple Support