How to Negotiate a Lower Bill (Phone, Internet, Insurance)

Many companies give their best prices to new customers. Loyal customers often pay more. A polite phone call can change that.

Before you call

1. Check your current price and when your contract ends.
2. Research what competitors charge for the same service.
3. Decide the price you want and what you'll do if they say no.

What to say

"I've been a customer for [X] years and I'm reviewing my bills. I've seen [competitor] offering a similar plan for [price]. Can you match that or offer me a better deal to stay?"

Tips for success

• Be friendly and calm — the person on the phone is more likely to help.
• Be willing to switch if they won't budge.
• Ask about any discounts: loyalty, bundles, paperless billing.
• Get any new price and terms confirmed in writing.

Bills worth negotiating

• Mobile phone
• Broadband and TV
• Car and home insurance at renewal
• Gym memberships
• Some subscriptions

Set a yearly reminder to review your main bills. Small savings each month add up over the year.