You'll get a much cheaper price going through an mvno (reseller) than through the big brands. Boost uses ATT or T-mobile (my line using T-mobile 5G is $26/month, ask to be sure you get the one you want). Straight talk uses Verizon (the $35 or $45 plan is unlimited everything) the service/speeds are good in my area, NW Georgia. Most plans aren't negotiable these days, standard pricing is online. You usually get a discount each month for using autopay and ebills. Ask people you know who they like service with if you're open to not using ATT.