The short answer
Prepare a clean account audit and comparable current offers before asking the carrier for specific savings.
Step by step
Remove charges you can fix yourself, including unused add-ons, insurance, and obsolete connected-device lines.
Check device balances and promotion rules so a plan change does not erase larger credits.
Find two realistic alternatives with comparable lines, data, hotspot, taxes, and prepayment.
Ask the carrier to match a specific total, restore a missing discount, or move you to a current lower-cost plan.
Request written confirmation and verify the effective date and next bill.
Before you finish
Keep screenshots, receipts, chat transcripts, confirmation numbers, and the first bill after a change. Carrier terms and account eligibility can change, so verify the final price and conditions directly before submitting an order.