Best Cell Phone Plans in Francisco, IN

Coverage is king, and Francisco, IN is covered well by all

Let's face it: Even at the best price, or with the best features, there's no reason to choose a wireless carrier that doesn't cover your home and place of work in Francisco, IN. Luckily, the city has become a hub of lightning-fast LTE coverage on all major carriers in the past several years. While AT&T and Verizon have long had dense, fast LTE networks in Francisco, IN, carriers like T-Mobile and Sprint traditionally lagged behind in terms of coverage, LTE technology, and overall speed. Not anymore.

Now, all four major carriers have the city and its entire suburban area covered with fast LTE technology. In fact, all four carriers score within just a few points of each other in RootMetrics tests of speed, call quality, text message delivery rates, and breadth of coverage, in Francisco, IN. This means that you now have more options, more features, and more price points available than ever before. There is no need to compromise on any one metric.

Understanding the different types of cell phone plans

When searching for a cell phone plan in Francisco, IN, you're looking for one that gives you enough minutes, text messages and data to fit your needs. These features are broken down in plans by: minutes covered, text messages available and data limits.

Most people rely on cell phones for the majority, if not all, of their communication needs. You'll need to make sure the plan you choose has enough talk, text and data for you and anyone else you choose to carry on your plan.

Each cell phone plan has its own limitations, so deciding the most important features for you and your family is key to discovering the perfect plan. To help you out, here's a breakdown of the 3 main categories of cell phone plans:

Individual plans offer services for one line on one phone. All of the minutes, data and text available in the plan can only be used by that phone. If you don't want to add anyone else to your plan, then this could be a great choice.

Family plans spread out the data, minutes and text over several lines and phones. The number of lines and phones is up to you and some plans offer discounts for adding additional lines. If you want service for your entire family, these plans are the best deal because they are cheaper than buying individual plans for each person.

With no contract plans, you pay for service without the obligation of a contract. Often called pay-as-you-go, these plans offer the same features and benefits of individual and family plans, but often with additional fees. Most plans now allow you to use the same smart phones available for other plans, but at a higher price. Payments can be made each month and some carriers offer online or phone payments by credit card, bank account or prepaid cards that you can find in most Francisco, IN department stores.

The biggest advantage of the monthly plans is the absence of a contract. With family and individual plans you are bound by a contract that is typically no less than 2 years. This contract obligates you to pay for service through the end of the contract, and early termination comes with fees, penalties and extra charges.

Deciding which cell phone plan is best in Francisco, IN

Choosing the right plan requires consideration of the types of services a person really needs. As mentioned previously, most carriers offer three primary services: minutes, text messaging and data usage.

The cheapest plans often limit the amount of minutes and text messages used on a phone line. Some are 400 or less; others might be as high as 1,000 minutes per month. For the person who talks extensively on his or her cell phone, an unlimited plan is the better selection.

No contract plans require loading the cell phone with a certain number of paid minutes. More time is added once the prepaid amount has been used.

Most carriers in Francisco, IN charge a lot for huge amounts of data usage since this has become a major factor in the way customers choose their cell phone plans. With plans often priced per megabyte and gigabyte, going over data limits can become very expensive when overages start adding up. Choosing a plan that covers data usage needs will help customers avoid overly expensive cell phone bills.

Finding the best cell phone plan for your needs

Now that you know which kind of cell phone plan you want, it's now time to make another important decision: what do you need each month in terms of minutes, text messages, and data? This used to be a slightly complex decision to have to make, but that is no longer the case due to changes in the wireless industry. Current cell phone plans have almost all dropped limits on calling minutes and texts messages. Postpaid family plans and individual plans at Sprint, T-Mobile, AT&T, and Verizon, all include unlimited talk and text. Only a small number of no contract prepaid plans still enforce limits.

The good news is that you can choose to look at only the amount of data that you need on a monthly basis. Two of the major carriers make this decision pretty simple, while two of the other major carriers require a bit more decision making before choosing a plan. Here's what to keep in mind when selecting a cell phone plan in Francisco, IN:

Sprint

Like T-Mobile, Sprint recently unveiled a flat-rate, all-unlimited mobile plan for new and existing subscribers. Customers who prefer not to get an unlimited plan can opt for a 'shared' amount of data that can be used by all lines attached to the account. By default, data speeds on limited plans slow down after all data has been used. Customers can buy a high-speed pass if they wish to have more full-speed data until the end of the month, however.

T-Mobile

The Un-Carrier, as T-Mobile has dubbed itself, recently made a move toward unlimited data for all. The company added to its Simple Choice plan lineup with T-Mobile ONE, an unlimited, single plan for individuals or families. T-Mobile Simple Choice plans are still available for customers who prefer them, however. These plans feature data rollover and no overage charges, so there's no extra fees added to the bill based on your usage.

Verizon

Verizon got rid of overages early in 2016 and started offering rollover data for its shared data plans. Verizon's plans are similar to AT&T's, however an unlimited data option is not available to new customers at all.

AT&T

AT&T offers unlimited data only to customers who also have DIRECTV or AT&T Internet. Otherwise, customers have shared data plans with every line on their account. In 2016, AT&T introduced a no-overages policy that throttles data to 2G speeds when a data bucket is exhausted. The company also has its 'Stream Saver' service in 2016, which reduces the quality of all streaming video and uses data more slowly as a result.

MVNO Carriers

Smaller prepaid carriers, called Mobile Virtual Network Operators (MVNOs), usually operate on one of the four above networks and resell services to no-commitment customers. These plans cover Francisco, IN and change very frequently, but they do often represent a good savings each month.