So I finally bit the bullet and called DirecTV to ask about lowering our monthly rates. I hear about people doing this all the time and finally got up the nerve to do the same. I started off by asking for the Cancellation Department. I told the guy I talked to that I didn't want to cancel, but wanted to find out if there would be a "cancellation fee" or anything. Which it turns out there is, a $220 cancellation fee. Apparently our current contract does not end until February 2010. But the nice man on the phone was able to give me a $20 / month (for one year) break on their fees, as well as remove the $5 protection plan. So we end up saving $300 this year on our DirecTV bills!! Yay! Thank you DirecTV!!