Looking to lower your cell phone bill? If you are like most people you probably think your cell phone bill is too high, but fear not. Here are some quick and easy ways to save you money on your next bill.

Don't Go Over Your Minutes. One of the worst things that you can do is to go over your minutes. Wireless phone companies charge an arm and a leg for extra minutes, so even just 15-20 minutes over your plan can explode your monthly bill. If you want a simple tool to help you keep track, then check out OverMyMinutes.com. It is a free service that will send you a text or an email when you are about to exceed your monthly plan allotment.

Switch to Prepaid. Prepaid cell phones are becoming more and more popular. There is no contract and you pay for your minutes as you go. The benefit is that you know exactly what you are getting and exactly what you have to pay for it. Most cell phone companies now offer a prepaid options and the rates have become pretty aggressive when compared to standard contract plans.

Insurance? If you are currently paying for insurance you might want to consider getting rid of it. Unless you are prone to breaking your phone all time, it probably isn't worth it. If you have a cell phone contract, you can probably get a new inexpensively with a contract extension anyway.

Check Out Validas. For $5, Validas will analyze your cell phone bill and tell you if you could be saving money. They claim that most people can save 25-40%. For $5, it might be worth having someone else do all the research and work for you.

Re-negotiate With Your Carrier. The perfect time to do this is right before or after your contract expires. Your carrier isn't going to want you to terminate or switch to another provider so they will likely provide some type of concession in order for you to stay, but you won't get it unless you ask.

Do you really need Unlimited Everything? Most people that have an unlimited plan don't fully maximize it and could actually get by just fine on smaller plan. Check your usage history and see if it falls within constraints of something smaller.

Stick to the Internet. You can usually find plan discounts on the internet. Discounts you probably couldn't get if you were in the store. Check them out, you might be surprised. If you feel like you need to go to a store, take the promo to them and see if they will match it.

Combine Multiple Lines. If your household has multiple lines, you might want to consider combining them into a single family plan. The savings can be significant and the process is a piece of cake.