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You already plan on staying with that carrier for 36 months. You are on an unlimited plan anyway.
If you must buy brand new, wait for these three windows: Black Friday: The best time for unlocked Android devices. cheapest way to buy a phone
Note: If you have a cheap prepaid plan, switching to a major carrier just for a "free" phone usually costs you more in monthly fees over time. You already plan on staying with that carrier for 36 months
The sweet spot for value is a phone that is exactly two generations old. For example, when the iPhone 16 drops, the iPhone 14 hits its peak price-to-performance ratio. You still get modern software support and great cameras without the "new release" tax. Note: If you have a cheap prepaid plan,
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.