Three tips to reduce your cell phone bills

Average cell phone bills for some customers are now as high as $60, $70 and even $80 -- and that's just for one phone. Here you can learn three tips to reduce your cell phone bills:

- The biggest waste is cell phone insurance. Unless you have a really fancy phone that's worth hundreds of dollars, it isn't worth paying $5 a month for insurance, which often requires a $50 deductible as well.

- One consumer group estimated the average household pays $200 a year more than it should because of overcharging by phone companies.

- Who's calling you most of the time? If it's family or friends, find out what cell phone company most of them are using and join it too.