“Are there any fees – a protection plan or insurance I don’t need and can remove?” Ask if you too can take advantage of new customer offers“What’s the lowest-cost plan similar to what I have today?” Hornbacher said to ask for special offers, such as a college kids plan. A quick online search shows there are also deals for those 55 and older on phones at AT&T, T-Mobile and Mint. No matter what you’re paying for, there are ways to save if you just ask the right questions.