Five tips for getting a good mobile phone plan

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As more and more consumers replace their landline phone with mobile options, mobile phones are no longer seen as an extravagant extra. While it may seem that shopping for a phone and accompanying plan is fairly straightforward, the number of options for phones, plans and protections are actually rather abundant.

Consider these six ways you can customise your service to meet your needs - and save a little cash in the process.

1. Phone Functionality

Most phones being offered by mobile phone providers do more than just call; voice-activated dialing, internet browsing, text messaging, photos, video and music are all par for the course, giving consumers a dizzying array of options for their next model. But will you actually need all of these features? And how much can you save by skipping many of them? Do a simple "needs analysis" of just what you need in a phone, then list a few "nice to haves." If you can find a phone that matches up, you can save a bundle over more equipped models.

2. Service Plans

Your number one savings opportunity is in the actual service plan. Don't ever buy a more inclusive plan than you need, and avoid the temptation to go with unlimited service plans that can cause overkill on the final bill. Remember that the sales person's job is to get you into the door with a low-priced plan and then to upsell you based on a newly acquired perceived need.



While sales reps do usually receive commission on service plan add-ons, one or two may be all you need to get away with adding to that lower-priced plan.

3. Competition

As with any products or service, do your research and never buy from your first salesperson you encounter. Get several quotes and work them against the most flexible provider that suits your needs. While some sales associates may tell you that they don't have the ability to meet a competitor's price offer, members of management or customer retention departments usually do have this authority. Ask for a manager if you experience initial resistance.

4. Coverage

Every mobile phone service provider differentiates coverage, and as a result, a great company in one part of the country (or even the same city) can be lousy in the next. Ask around, borrow a friend's phone, and try it out in the places you know you will need it. Some companies may even offer the ability to "try before you buy" with a 30-day no obligation service. You can also get to know the provider through a trusted referral, as good service is reflected best through customer loyalty.

Consumers should also note that some providers may offer you a 'cooling-off' period that is designed to give you the opportunity to change your mind about a purchase or agreement that you have made. Consumers are encouraged to read the terms and conditions of their contract to see if a 'cooling-off' period is applicable.

5. Credit

Your credit rating will be the ultimate factor in determining the value of the mobile phone plans available to you. If you've done well to maintain your credit, it's possible to walk into to any provider, ask for the price, phone and contract length of your choosing, and walk out with your phone activated and no cash out of pocket. Also, a solid relationship with your current provider in which you regularly paid you bills on time can prove beneficial if you want to remain with the same carrier but are looking into buying a new phone with a new plan.

The Bottom Line

The most important factor in mobile phone savings is knowledge. Take the time to educate yourself about the six savings categories and never rush into the first plan that you see. By getting an accurate picture of what your mobile phone plan will look like each month (including taxes, fees, and prorated services charges), it's possible to give mobile phones their place in the well-balanced budget.