Don't overlook the budget lines. The Google Pixel "A" series and the iPhone SE use the same high-end processors as their expensive siblings but save money on screen tech and materials. You get the speed and camera quality for roughly half the price.
You already plan on staying with that carrier for 36 months. You are on an unlimited plan anyway. cheapest way to buy a phone
Carriers like Verizon or AT&T often offer "free" phones with a trade-in. This is only the "cheapest" way if: Don't overlook the budget lines
Retailers clear out old inventory at steep discounts. You already plan on staying with that carrier for 36 months
The single biggest savings come from the secondhand market. Instead of risky private sellers, use reputable sites like Back Market , Swappa , or Amazon Renewed . You can often find last year’s flagship for 40-50% off retail, usually with a 1-year warranty included.