How to Save on Cable: Cut Your Bill or Cut the Cord

Rising costs for television and internet services have prompted many to seek ways to reduce their monthly expenses. The average monthly cable or satellite television bundle often exceeds $180, and even standalone cable TV packages can cost over $100 per month. This article provides actionable steps, from optimizing existing services to exploring complete alternatives, to help manage these significant household expenditures.

Optimizing Your Current Cable Service

Reducing your cable bill does not always require a complete overhaul of your services. Engaging directly with your current provider can often lead to considerable savings. Customer retention departments can offer discounts or modify service terms. When contacting them, it is helpful to research competitor offers in your area to use as leverage in your discussion. Maintaining a polite yet firm demeanor throughout the conversation can also facilitate a more favorable outcome.

Evaluating your current channel usage and downgrading your package can also yield immediate savings. Many consumers subscribe to channels they rarely watch. Reviewing your viewing habits and eliminating unnecessary channels can significantly reduce your monthly payment without sacrificing desired content. Most providers offer various package options, allowing for a more customized and cost-effective selection.

Equipment rental fees represent another common area for potential savings. Many cable providers charge a monthly fee, typically ranging from $10 to $15, for modems and set-top boxes. Over a year, these fees accumulate to $120 to $180, often exceeding the purchase cost of compatible equipment. Purchasing your own approved modem and router can eliminate these recurring charges, with the upfront cost often recouped within 10 to 15 months.

Inquiring about current promotions and service bundles can also lower your overall bill. Providers frequently offer introductory rates to attract new customers, and sometimes these deals can be extended to existing subscribers, especially if you indicate you are considering other options. Bundling services like internet, phone, and television may also provide a lower combined price than subscribing to each service individually. Review the terms of any bundled offer, especially regarding the price after the promotional period.

Exploring Cable Alternatives

For substantial savings, “cord-cutting” offers numerous possibilities by shifting away from traditional cable. Streaming services provide a flexible and often more affordable way to access entertainment. On-demand platforms such as Netflix, Hulu, Disney+, and Max offer vast libraries of movies and TV shows, with subscription costs typically ranging from $7.99 to $24.99 per month for individual services. Consumers can select services based on specific content preferences and rotate subscriptions throughout the year to manage costs.

Live TV streaming services replicate the traditional cable experience by offering live channels over the internet. Services like YouTube TV, Sling TV, FuboTV, and Hulu + Live TV provide access to sports, news, and entertainment channels. Monthly costs for these services vary, with options ranging from around $28 for basic packages like Philo to over $80 for more comprehensive lineups such as YouTube TV or Hulu + Live TV. These services often include cloud DVR capabilities, allowing viewers to record live programs.

Over-the-Air (OTA) TV with a digital antenna offers free local channels. An antenna can capture broadcast signals from major networks, including local news, sports, and prime-time shows, in uncompressed high-definition quality. The only cost is the initial purchase of the antenna, which can range from under $100 for indoor models to $200-$300 for more powerful outdoor antennas. This can be a reliable source for essential local programming.

Beyond subscription and antenna options, numerous free ad-supported streaming television (FAST) platforms provide content at no charge. Services like Tubi, Pluto TV, The Roku Channel, Xumo Play, and Amazon Freevee offer a wide array of movies, TV shows, and even live linear channels supported by advertisements. These platforms supplement other viewing choices, providing additional content without monthly fees. Viewers can find a diverse selection of genres and niche channels on these free services.

A robust internet connection forms the foundation for all cable alternatives. Streaming high-definition or 4K content, especially with multiple users, requires sufficient bandwidth. Average monthly costs for unbundled wired internet services were around $83.35 as of early 2025. Evaluating your household’s internet usage and ensuring your plan provides adequate speed is essential for a seamless streaming experience.

Evaluating New Service Providers

If optimizing current service or exploring alternatives doesn’t meet your needs, switching to a new provider can be a viable strategy for long-term savings. Identify all cable, fiber, or fixed wireless internet providers available in your area. Online comparison tools can help you survey the landscape of available services.

When comparing new providers, examine their pricing structures. Focus on introductory rates, the duration of promotional periods, and the standard price after these promotions expire. Some providers may offer significantly lower initial costs that increase substantially after 6 to 12 months. Understanding these future price adjustments helps prevent unexpected bill increases.

Reviewing contract terms and potential fees is necessary before committing to a new provider. Many internet and cable services require fixed-term contracts, typically 12 to 24 months. Early termination fees (ETFs) can apply if you cancel service before the contract ends, potentially ranging from $10 for each remaining month to a flat fee of up to $300. Additionally, inquire about one-time charges such as installation fees, which can range from $50 to $200, and any equipment costs. Some providers may also charge fees for not returning leased equipment after cancellation.

The process of switching involves canceling your old service and setting up the new one. Confirming the logistics, such as scheduling installation and returning old equipment, helps ensure a smooth transition. Some new providers may offer incentives, such as contract buyouts, to cover ETFs from your previous service, making the switch more financially appealing. Always verify all details and new terms in writing.