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How to Choose the Right Cell Phone Service for Your Child

posted on August 03, 2010

girl with cell phoneSelecting a cell phone service for your child is a bit more complicated than choosing one for yourself. Cost is still important, of course, and both prepaid plans or adding a second line can work out to be a cost effective way of keeping your kids in touch. But parents should strongly consider what parental controls are available with each type of service before making a decision.

Do you want to ensure your child can reach you even if he or she has gone over the allotted number of minutes? Are you interested in making sure your child isn't texting under the covers until 2:00 AM? Or do you have concerns about your child encountering mature content? You can do all of these things with parental controls when you set up a second line on your account, but not with a prepaid phone.

Costs: Prepaid vs. Second Line

Your first instinct may be to go pre-paid—it is the best way to ensure your extra-chatty teenager doesn't give you a nasty surprise at the end of the month by going over their minutes. However, it may cost less to add a line to your existing account, depending on how your child will use the phone.

Take this example from AT&T using their lowest cost plans:

AT&T 550 Family (if you assign the extra 100 minutes you get when moving from the 450 minute individual plan)
What you get: $10 for 100 minutes per month, $10 per month for the second line
Best for: Kids who use all their minutes and want the flexibility of using the phone any time

AT&T $1 Mobile to Mobile (flat $0.10 rate for calls, unlimited calls to AT&T mobile customers)
What you get: $10 for 100 minutes, plus $1 for every day you use the phone
Best for: Kids who talk occasionally

AT&T Simple Plan (flat $0.25 rate for calls)
What you get: $25 for 100 minutes
Best for: Kids who need an emergency-only phone

Pay special attention to the expiration dates on prepaid cards. Some expire in as little 30 days, and any unused minutes will be lost.

So compare this chart of prepaid daily rates from AT&T, Verizon and T-Mobile (Sprint doesn’t offer daily plans) with your carrier’s family plan rates to see what makes sense (AT&T, Sprint, T-Mobile, Verizon).

Prepaid Calling Plans

 Carrier Plan Daily Access Fee Per Minute Rate Text Message Rate Mobile to Mobile
Within Carrier
 AT&T $3 Unlimited Calling $3  Unlimited $0.20 send/ $0.20 receive Unlimited
AT&T $1 Unlimited Calling $1 $0.10 $0.20 send/ $0.20 receive Unlimited
AT&T $0.25 Simple Plan None $0.25 $0.20 send/ $0.20 receive $0.25
T-Mobile Pay by the Day $1 $0.10, unlimited nights $0.10 send/ $0.05 receive


T-Mobile Pay as You Go None $0.10-$0.30 $0.10 send/ $0.05 receive $0.10-$0.30
Verizon $3.99 $3.99 Unlimited Unlimited Unlimited
Verizon $1.99 $1.99 $0.05, unlimited nights and weekends $0.05 send/ $0.05 receive Unlimited
Verizon $0.99 $0.99 $0.10 $0.10 send/ $0.10 receive Unlimited
Verizon Prepaid Basic None $0.25 $0.20 send/ $0.20 receive $0.25

Parental Controls for Second Lines

A huge benefit of adding a second line for your child on your account is that you can take control of how and when your child uses his or her phone. Most carriers let you cap the number of minutes, messages and entertainment downloads. Plus, restricting the days and the time of day the phone can be used can help cut down on costs while keeping your child focused on schoolwork.

Parental controls also provide a measure of safety for your child. You can stop bullies from contacting your child by blocking their calls and texts; ensure that your child isn't exposed to mature content in online stores or while browsing the Internet; and even do a quick location check to ensure your latch-key kid has arrived safely home.

Control isn't free. Most of these parental control features come at a price of $5 per month and an additional fee for location tracking. Even if you don't subscribe initially, it's good to know what options are available should the need arise.

Keeping Track of Your Kids

Of the four major carriers we looked at, three let you track the actual location of your child: AT&T, Sprint and Verizon. Verizon's Chaperone service and Sprint’s Family Locator use GPS to pinpoint your child's location (which means you need a GPS-enabled phone), and even let you set up zones where your child is allowed to go—giving you an automatic alert (to either your cell phone or computer) if they leave that zone. AT&T’s FamilyMap service will use GPS, if it’s available, or triangulation based on the location of cell phone tower. The latter isn’t quite as accurate, but works better indoors.

Talk Time

T-Mobile and Verizon let you put a cap on minutes. And AT&T, T-Mobile and Verizon let you limit phone use to specific times or days—keeping your child focused on school and other important activities. Of course, your child can still make 911 calls to emergency services at any time.

Text Messaging

While text messaging is all the rage with kids (as well as adults), there a few good reasons for restricting this kind of communication. For starters, it can be a terrific time waster. You can protect your child from unwanted messages with number blocking. And, if you don't get a plan with unlimited text messaging or a message plan, the costs can really add up. AT&T, T-Mobile and Verizon let you put a cap on the number of messages and Sprint lets you block the messaging feature. All let you block texts from specific numbers.


Entertainment on a mobile phone can be anything from games to music to ring tones to video. Downloading new content to a phone can cost extra on an a la carte or pay-as-you-go service plan, so again, you need to put a cap on things, or establish limits with your child. While Verizon, AT&T and T-Mobile make a big deal out of their entertainment offerings, they will let you set a spending cap. Sprint only allows you to shut this feature off. All have content filters that prevent your child from viewing mature content.

Parental Controls by Carrier

  AT&T Parental Controls Sprint Parental Controls T-Mobile Family Allowances Verizon Usage Controls
Cost  $4.99 per month  Free $4.99 per month  $4.99 per month
Child Locator Service  $9.99 per month for 2 people $5 per month  Not Available  $9.99 per month
Talk Time Cap No  No  Yes  Yes
Texting Cap Yes Block only  Yes  Yes
Downloadable Purchases Yes Block only  Yes  Yes
Content Filter Yes Yes  Unlimited Unlimited
Time/Day Control Yes, just outbound activity No Yes Yes
Call Control Yes Yes Yes, limit of 10 always allowed and 10 blocked numbers Yes, limit of 20 blocked numbers



Family and Parenting, Phones and Mobile, Phone Accessories, Cell Phones, Kids, Money Savers

Discussion loading


From Glen on August 05, 2010 :: 6:46 am

Instead of worrying about cell phone costs and plans, you should be worried about the cost to the potential cost to your child’s health. Radiation from cell phones can be particularly devastating to a child or a teen, who’s still growing and the skull, where the cell phone is nearest, is not yet fully formed. THIS is what you should be concerned about. Priorities, folks, priorities.



From MeredithC on August 05, 2010 :: 7:52 am

Hmmm, our kids are fairly responsible and fortunately we don’t have to worry too much about parental controls. We have some fairly simple rules in place to avoid the texting-at-night and sexting scenarios.
We have been teaching them about financial responsibility and because of that opted for prepaid phones. We use fairly simple Tracfone handsets because they provide a quality service and are actually cheaper to use if I look at the tables you provided. No use trying to teach your kids about being frugal if you’re going to give them ‘unlimited’ usage on the latest fancy handsets, right?



From Harvey T on August 17, 2010 :: 4:33 am

For one thing, I actually saved some dough by putting my kid on a prepaid plan instead of adding a line to our existing account. You can control the amount of minutes and texts a month easily and there is no usage after they are gone. It teaches them how to budget their minutes and texts every month. We went to Net10 where there are no service fees or anything extra, just paying for the minutes.



From Leonard M on August 23, 2010 :: 3:16 pm

Content Filter - It is useful to note that of the carriers you surveyed only Verizon Wireless provides age appopriate content filters. As with movies, games and tv shows (all of which are available on a cell phone) Verizon permits you to filter at 7, 13 or 17 year old levels of content.

Also, only Verizon Wireless applies the filters to non-websites. Music, Videos, Premium Messaging (like sending money via a five digit number), and Games. It is not sufficient to filter the web only, when we are discussing the computer/cell phones being sold today.

Finally, in terms of Cyber Bullying, only Verizon Wireless offers free blocking of numbers. Call and Message Blocking was launched in 2008 for free. It remains the only free service to this day amongst the carriers you surveyed.



From avnish gautam on June 03, 2012 :: 1:04 pm

Very nice guide and ideas about How to choosing Best mobile phones for our uses. Thanks.


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