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it would have to depend on if you want o pay over time or pay for the phone outright. if you pay over time the service provider that you choose may give you a discounted price and let you make monthly payments till it is paid for. if you already have service then they could set it up on a monthly payment but, a lot of times they want to change your plan so, be careful. then there is the option of you buying the phone outright and not having the monthly phone payment (if going this way i recommend an unlocked phone) that way if you already have a plan the you can just bring your own phone (byop) and it should not change your plan depending on the plan. So i guess it would all have to depend on your situation and choices or preferences.
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