Can you get more for less? Probably. A poll by American Express indicates that most small-business owners (91%) are getting some discounts, but they're not going about it methodically. Nearly 60% of 325 respondents couldn't think of any discounts aimed at small biz without prompting from an interviewer, and 70% said they didn't know where to find information on discounts. One-tenth receive discounts solely on telephone service, and although 60% say health insurance discounts would be very helpful to them, only 33% get lower rates. Also, fewer than 20% could say without prompting what specific products or services they got at reduced rates or how big the reductions were. (Sometimes a discounted rate isn't properly billed, so it pays to keep track.) Most negotiate on their own (66%), but 18% go through associations, trade groups, or an outside firm.

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