How To Negotiate Lower Prices On Anything

We all want a lower price! As consumers, we often wonder if we can get a better deal. But sometimes asking for lower prices isn’t that easy and can even be a little intimidating. Keep reading to learn how to negotiate lower prices on anything!


Don’t just call up the company and ask for a better price. That won’t always work. Have a plan and know which department you need to talk to. Not every department is able to negotiate lower prices.

Recently, my mom called Comcast and asked for a lower price but the customer service representative said she can’t offer a better price to current cable subscribers. So my mom hung up frustrated. My brother called the same company and asked for the cancellation department instead. The representative immediately offered him a better price to stay with the company. He ended up keeping the plan and saving more money!


If the start off the conversation rudely, you might not get anything.  So, if you’re trying to negotiate a lower price, in person or on the phone, start by being friendly instead of demanding. You will make much more progress that way and might even get a lower price than you were expecting.

My dad recently called his security system company, ADT, to cancel their monthly subscription. He was friendly and simply stated he wanted to cancel his monthly service. The customer service representative offered him 6 months of FREE service. Wow, what a great deal! And he didn’t even ask for anything!


Do your research on the competition before you call or go in to negotiate. Explain what price you found with the competitor then wait for a response. It’s helpful to give the customer service representative as chance to say something. Be quiet and let the company decide whether they can lower your price or give you a discounted deal.

I talked AT&T last week to cancel my cell phone plan since it’s now no longer under contract. I told the customer service representative that T-Mobile offers unlimited everything for $50 and Straight Talk offers unlimited everything for $45 and that both deals are much better than my $110 for 450 minutes, 2GB data, and unlimited text. AT&T immediately offered me my same plan for $62 instead of $110. I still didn’t take it because I still want to switch companies, but it would save me $48 per month on my cell phone bill. 


Plan ahead and anticipate when you’ll need negotiate lower prices. Car insurance can be negotiated often for a lower price so use that to your advantage when calling car insurance companies. But don’t wait until your car insurance is about to expire and you need to find another company. You’ll be stressed about switching companies and you’ll get more frustrated.

Last year, I kept getting mail from car insurance companies about lower prices so I decided to start researching for a lower price. I called USAA, State Farm, Geico, and Progressive (my company at the time) and spent about a week researching different car insurance options. I switched to USAA since they were $500 cheaper than my car insurance with Progressive. I have other accounts with USAA so bundling my insurance products saved $500 every 6 months. I’m very happy with USAA’s car insurance but if I wasn’t, I wold compare car insurance prices annually to negotiate a lower price. 


Car salesmen deal with this all the time! Have you ever tried to negotiate something you really want but the company or person wasn’t willing to negotiate a lower price? Just walk away. Chances are, they’ll call you with a better price anyway. If nothing else, you’ll get more time to research the competitors and can call back to negotiate a better price the following week.

I’m sure many of us have stories about how to negotiate lower prices on a car! Walking away can be so powerful. But it can also be so difficult if you love the car and think you NEED it. Just walk away. You’ll likely end up with a lower price anyway. 


Consider whether you really need the service anyway or if you should just cancel it completely. Can you live without a cable subscription? Or your cell phone? Or that new car? I personally still want my cell phone but can do without the cable.

I used to pay over $100 per month for cable but never turned on the TV anyway. So, I cancelled cable 7 years ago and now get free local TV channels with an HDTV antenna. I’ve saved almost $8400 and haven’t looked back.

We all have frugal stories about friends and family getting a better deal by negotiating lower prices. Sometimes its as easy as just asking for a lower price but often, it just takes a little planning to compare the competition. Their stories inspire me to look for ways to negotiate lower prices.

Have you ever negotiated a lower price? Please share your experiences in the comments below!

Thanks! To these amazing blogs for featuring Monica On Money: 
Aspiring Blogger Financial Carnival hosted by Aspiring Blogger
Festival of Frugality hosted by See Debt Run
Carnival of Financial Independence hosted by Reach Financial Independence
Carnival of Retirement hosted by Mom and Dad Money
Earn More Spend Less hosted by Student Loan Sherpa
Carnival of Personal Finance hosted by Reach Financial Independence
Carnival of Money hosted by Financial Nerd

Femme Frugality

*Part of Financially Savvy Saturdays on Femme Frugality and Monica on Money*

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  1. Curtis Frazier says

    I am out of contract on my Verizon phones. I called Verizon and told them that other carriers offered cheaper service for $50 month as well. Verizon told me that I was on the best plan they have. They lady went even further and told me to be sure I port my number over to another carrier before the end of my billing cycle! I’ve been with them for 18 years!!! I was shocked. I asked to speak to customer retention. She said she has all the deals customer retention can offer me and the plan I was on was the best. I’m switching to T-mobile and will be saving over $50 month and that includes a newer faster Android device.

  2. Andrew says

    When purchasing electrical products from Harvey Norman or alike, arrive at the store 20 minutes before they close preferable on Saturday and find the youngest person selling and approach them. Pick your seller don’t wait for someone to come to you. Ask lots of questions and ask for time to think. At 5pm or just before say your are ready to buy and start discussing price as they will be really keen to go home (hopefully they have somewhere to go that night and are very keen to leave) Drag out the purchase as you get them to explain all the extended warranties and delivery costs and finally negotiate the final price with them approx 5.30 onwards as they are getting VERY impatient to leave. I have saved hundreds doing this and got many thing thrown in for free as they WANT TO GO HOME….Same can work close of business Sunday too. Just brought a home computer on the weekend for my Dad. Saved $230 on asking price, 1/4 of the price for extended warranty, and software security for free ($156.00), media center for $90 off asking price. Left the store at 5.55pm. He was happy to see us leave

  3. says

    I decided to cancel cable earlier this year because I was paying too much and I was frustrated with messing with Comcast’s customer service trying to lower my bill every few months when they would tack on another charge. When I cancelled I was actually surprised because the customer service rep didn’t even try to sell me on another package or offer me a discount. She just said thank you for being a customer and that was pretty much it. Surprised me they didn’t even put up a fight as I always heard they would give you amazing offers when you actually called the cancellation people.

  4. says

    It’s crazy to think of $8400 in cable bills! Nice work, I enjoyed the post. The walk away method is my go to – also silence wins deals pretty frequently. Silence makes people uncomfortable in a culture of talk talk talk.

  5. says

    I couldn’t agree more. I make a point of calling around every December and asking for a better deal. Sometimes it works, sometimes it doesn’t. But it never hurts to ask — and the savings can be substantial.

  6. says

    USAA’s rates are amazing. Usually if you tell a competitor you’re considering them, they’ll stop their pitch immediately and tell you that they just can’t beat their rates (at least on insurance; I’ve heard banking/financing can be a different beast.) I’ve totally done that with cell phone companies before, too. And we cancelled all but basic cable (because bundling it with our internet actually saves us $4/mo off the internet bill!)

  7. says

    I will call the cable company and my cell phone company today to get a lower price. I have been thinking about doing this for a while but of course, didn’t get around to it. Thanks for the article and reminder.

  8. says

    Who doesn’t want to save money?! I find that if you aren’t talking to the right person, you aren’t getting anywhere. Being super nice helps, too. I used to be in customer service and without niceness, you aren’t getting anywhere!

  9. says

    My husband has gotten our cable bill lowered twice by threatening to cancel. When he called the second time he was serious. Ended up saving us $30 a month. They also told him our bill will go up again in December, to call back and they will still honor the reduced price.

  10. says

    I’m going to be calling comcast soon to see if they are willing to reduce the price of their internet. I can get a similar speed from ATT for cheaper. I’d prefer not to leave just because I’ve researched both and comcast seems to have the less crummy service of the two. However, they don’t know that and I can use that as leverage. :)

  11. says

    I had this issue when I tried to get a lower price on my DSL service when the introductory price expired. I kept getting the line that it wasn’t possible, so I switched to Comcast. Then when I called to cancel, all the sudden they were willing to offer a better price. Of course, when we moved, the DSL service started to deteriorate, so I’ll pay the extra $60 per year for cable internet service.

  12. says

    The people on the other end of the line hear from customers all day, every day, so you have to give them a reason to listen to you and give them what you want. I love when people say they’re going to get all rude or start yelling. This is a surefire way to get the exact opposite of what you want.

    Just remember, you get what you give. So, if you give a lot of anger or whining, you won’t expect much, but if you give courtesy, professionalism and respect, you’ll drastically increase the chances of getting what you want.

  13. says

    We recently lowered many of our recurring monthly bills. Some of this was done by asking for a lower price, canceling an unused service, or switching to another vendor. We are very happy with the results saving a little more than $200 per month. P.S. we also have USAA insurance and love them!

    • says

      Wow, great job saving $200 a month by cutting back on your monthly subscriptions. That’s impressive! And I’m wililng to bet that you probably didn’t have to change your lifestyle much either. About USAA, everyone that I know who has USAA, absolutely loves the company! They have certainly figured out the definition of excellent customer service :)

  14. says

    Hi Monica! CJ is the price negotiator. In fact, he should be in business for that. He has negotiated many deals with providers, but he has also been willing to walk away. When cable raised our bill $5 a month and wouldn’t budge, we cancelled. In fact, we got rid of the whole TV. I said just the other night, “Has it been since March that we’ve been without a TV?” CJ confirmed, and I decided that I haven’t missed it one bit.

    I love that you saved $8400 just by making a simple change!

    • says

      Hi Tammy, thanks for sharing your stories! I think it’s amazing that you cancelled cable and got rid of your TV. I hope your comment inspires other people to cancel their cable too. I still have my TV and use it sometimes for “free tv” with an antenna or Netflix. But have seriously considering selling my TV too :)

  15. says

    At my job I often get people calling in complaining that their insurance bill went up. Most people are usually nice about it so I’ll quote them with other carriers and find them a better price. However, some people just straight up start attacking me and cussing at me about their bill going up. In this instance I will do nothing for them. You have to be nice when you’re trying to get a bill lowered.

  16. says

    I negotiated a lower cable bill, but then it just went up even higher six months later! I think being willing to walk away/cancel is the best thing you can do if you are unable to get a price that you think is fair.

    • says

      You’re right, DC! It’s so frustrating to negotitate a deal fur 6 months then have to re-negotitate again. That’s a big part of why I cancelled by Comcast years ago. Too much of a hassle and not worth the money (to me). Thanks for reading!

  17. says

    What you shared is so true in many ways. Knowing the art of bargaining and mastering it can give you great deals and it goes for all kinds. With the right words and targeting the right person, I was able to cut a great deal with my internet service provider and was I glad I tried!

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