Can you just pay your parents for your share? Family plans do generally have the lowest per line cost.

If not, the cheapest options are generally going to be resellers like Mint, Google Fi, etc.

Tmobile is typically cheaper than Verizon, but coverage is more iffy outside population centers. Much better than it was years ago before the Sprint merger.

> to negotiate the monthly cost down to as low as possible.

Not really a thing.