One Quick Call Can Save You Hundreds

Believe it or not, sometimes saving money on your cable, cell phone or car insurance bill can be as easy as picking up the phone. But once you call, you'll need to know how to negotiate to cash in!

Let's start with your cable and phone bill. One way to get on the fast track to discounts is to mention that you are looking to cancel your service. According to Consumer Reports, it costs companies five times as much to get new customers than it does to retain old ones.

You'll have a little leverage at this point, so start fishing for deals. Use their marketing to your advantage ­ maybe you saw (or didn't see) an ad about some new promos they're offering. It's a surefire way to get some good deals!

But what if you want to take a less aggressive approach? Sometimes, establishing your loyalty to the company or brand can actually be a more powerful negotiating tactic. If you like the service but it's become too expensive, most people are willing to work with you. For example, when it comes to car insurance, asking for the bill to be moved to later in the month could give you a few free weeks of service.

Finally, if for some reason it's not looking like a deal is going to happen, try asking for free trials, upgrades, or even advice on seasonal specials. Remember, promotions constantly change, as do the customer service reps, so if you get rejected once, don't be afraid to try again.

What are you waiting for? Pick up the phone and start saving money! Sometimes, all you have to ask!
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