Your Insider’s Guide to Finding the Best Electricity Rates and Energy Plans in Ringgold
Whether you are a business owner, new resident, or long-time citizen of Ringgold, this comprehensive guide will enable you to find your best solution for an electricity plan.
Ringgold Electricity Rates
| Provider | Plan | Price | Term | Cancellation Fee | Type | Docs | |
|---|---|---|---|---|---|---|---|
A | APGE | SimpleSaver 12 Credits | 8.9c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 12 Green Credits | 9.0c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Lone Saver Plus 12 Green Credits | 9.0c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 13 Credits | 9.1c per kWh | 13 Mo | $250 | Fixed | |
J | Just Energy | Smart Choice - 12 Credits | 9.3c per kWh | 12 Mo | $175 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 12 Credits | 9.4c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Plus 12 Credits | 9.4c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Plus 12 Green Credits | 9.4c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 24 Green Credits | 9.5c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 24 Credits | 9.5c per kWh | 24 Mo | $250 | Fixed | |
A | APGE | SimpleSaver 8 Credits | 9.7c per kWh | 8 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 8 Credits | 9.8c per kWh | 8 Mo | $20/Mo remaining | Fixed | |
R | Rhythm Energy | Rhythm Saver 12 Green Credits | 10.1c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Maxx Saver Value 24 Credits | 10.5c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
J | Just Energy | Power Plus - 12 Credits | 10.8c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 24 Credits | 10.8c per kWh | 24 Mo | $175 | Fixed | |
A | APGE | SimpleSaver 36 Credits | 11.5c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Smart Choice - 24 Credits | 11.9c per kWh | 24 Mo | $175 | Fixed | |
D | Discount Power | Bill Credit Bundle 24 Credits | 12.4c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 12 Credits | 12.4c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus 12 Credits | 12.4c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus 24 Credits | 12.4c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 12.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 12.5c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 12 plan Credits | 14.1c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 24 plan Credits | 14.1c per kWh | 24 Mo | $295 | Fixed | |
A | Atlantex Power | Luminous 12 | 14.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.9c per kWh | 12 Mo | $150 | Fixed | |
A | Atlantex Power | Luminous Green 12 Green | 15.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | True Simple 13 | 15.4c per kWh | 13 Mo | $250 | Fixed | |
A | APGE | True Simple 12 | 15.5c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 12 Green Credits | 15.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | Texas Bright 13 Green Credits | 15.5c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
C | Constellation | 12 Month (No Min Usage Fee) | 15.7c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.9c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.9c per kWh | 24 Mo | $295 | Fixed | |
E | Energy Texas | Texas Bright 24 Green Credits | 16.2c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | 12th Month Free - 12 | 16.4c per kWh | 12 Mo | $175 | Fixed | |
R | Reliant | Pure Power 24 plan | 16.5c per kWh | 24 Mo | $295 | Fixed | |
R | Reliant | Pure Power 12 plan | 16.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 16.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 16.5c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 36 Green Credits | 16.5c per kWh | 36 Mo | $20/Mo remaining | Fixed | |
C | Constellation | 12 Month GREEN (No Min Usage Fee) | 16.6c per kWh | 12 Mo | $150 | Fixed | |
F | Frontier Utilities | Light Saver 12 | 16.7c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Gexa Light Saver 12 Green | 16.9c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Live Brighter Lite 12 | 16.9c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 24 | 16.9c per kWh | 24 Mo | $250 | Fixed | |
R | Rhythm Energy | Simply Green 13 Green | 17.1c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | Simply Days Free - 24 | 17.2c per kWh | 24 Mo | $175 | TOU | |
A | Amigo Energy | Secure Energy - 24 | 17.4c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 24 | 17.4c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Basics - 24 | 17.4c per kWh | 24 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Value Plus 12 Credits | 17.4c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Value 12 Green Credits | 17.4c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Simply Green 23 Green | 17.4c per kWh | 23 Mo | $20/Mo remaining | Fixed | |
D | Discount Power | Essential Saver 12 | 17.5c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Basic Power 12 plan | 17.5c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Basic Power 24 plan | 17.5c per kWh | 24 Mo | $295 | Fixed | |
T | Tara Energy | Weekends Free Plan - 24 | 17.7c per kWh | 24 Mo | $175 | TOU | |
A | APGE | Rent Simple Saver 12 Credits | 17.7c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 13 Credits | 17.8c per kWh | 13 Mo | $250 | Fixed | |
C | Cirro Energy | Simple Advantage 24 | 17.9c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Simple Advantage 12 | 17.9c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Bright Secure 12 | 17.9c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Live Brighter Lite 24 | 17.9c per kWh | 24 Mo | $295 | Fixed | |
A | Amigo Energy | Simply Days Free - 12 | 18.0c per kWh | 12 Mo | $175 | TOU | |
J | Just Energy | Renters Choice - 12 | 18.0c per kWh | 12 Mo | None | Fixed | |
J | Just Energy | Basics - 12 | 18.0c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 12 | 18.0c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | True Simple 36 | 18.0c per kWh | 36 Mo | $350 | Fixed | |
R | Reliant | Conservation 12 plan | 18.1c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Conservation 24 plan | 18.1c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Wise Buy Basic 24 Online | 18.3c per kWh | 24 Mo | $295 | Fixed | |
4 | 4Change Energy | Cash Money 12 Credits | 18.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | Rent Simple Saver 18 Credits | 18.6c per kWh | 18 Mo | $250 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.7c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.7c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 24 Credits | 18.8c per kWh | 24 Mo | $250 | Fixed | |
G | Green Mountain | Pollution Free Conserve 12 Preferred Green | 18.9c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Conserve 24 Preferred Green | 18.9c per kWh | 24 Mo | $295 | Fixed | |
J | Just Energy | Simple Value - 24 Credits | 19.1c per kWh | 24 Mo | $175 | Fixed | |
D | Discount Power | Bill Credit Bundle Essential 12 Credits | 19.1c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Base 12 Credits | 19.1c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 12 Credits | 19.3c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Simple Value - 36 Credits | 19.3c per kWh | 36 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Value 12 Credits | 19.3c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Lite 12 Green Credits | 19.3c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 24 Preferred Green | 19.3c per kWh | 24 Mo | $295 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 12 Preferred Green | 19.3c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Live Brighter 1K+ 24 | 19.3c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | Rent Simple Saver 36 Credits | 19.4c per kWh | 36 Mo | $350 | Fixed | |
4 | 4Change Energy | Power Maxx Saver 24 Credits | 19.6c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Power Maxx Saver 12 Credits | 19.6c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
T | TXU Energy | Ultimate Season Pass 12 | 20.4c per kWh | 12 Mo | $150 | TOU | |
T | TXU Energy | Ultimate Season Pass 12 | 20.4c per kWh | 12 Mo | $150 | TOU | |
F | Frontier Utilities | Saver Deluxe 12 Credits | 20.5c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Advantage 12 Green Credits | 20.5c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Watt a Deal 12 Green Credits | 20.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Texas Two-K 12 Green Credits | 20.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
P | Payless Power | 12 Month - Prepaid - No Deposit & No Credit Check Credits | 20.7c per kWh | 12 Mo | $49 | Prepay | |
T | TXU Energy | Flex Forward | 20.7c per kWh | 1 Mo | None | Fixed | |
T | TXU Energy | Flex Forward | 20.7c per kWh | 1 Mo | None | Fixed | |
P | Payless Power | 6 Month - Prepaid -No Deposit & No Credit Check Credits | 20.8c per kWh | 6 Mo | $49 | Prepay | |
J | Just Energy | Mega Saver - 12 Credits | 21.0c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | Ultra Flex 1 | 21.0c per kWh | 1 Mo | None | Fixed | |
J | Just Energy | Mega Saver - 24 Credits | 21.1c per kWh | 24 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Premier 12 Credits | 21.1c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Premier 12 Green Credits | 21.2c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver12 Credits | 21.4c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 21.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 21.5c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 12 plan Credits | 22.0c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 24 plan Credits | 22.0c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | High Usage Saver13 Credits | 22.1c per kWh | 13 Mo | $250 | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 12 Credits | 22.4c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 24 Credits | 22.4c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 24 Credits | 22.4c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 12 Credits | 22.4c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver24 Credits | 22.4c per kWh | 24 Mo | $250 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.8c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.8c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver36 Credits | 22.8c per kWh | 36 Mo | $350 | Fixed | |
G | Green Mountain | Pollution Free Green Savings Plus 24 Preferred Green Credits | 23.4c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Twelve Hour Power 12 Credits | 23.7c per kWh | 12 Mo | $150 | TOU | |
T | TXU Energy | Saver's Discount 24 Credits | 24.0c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 24.0c per kWh | 24 Mo | $295 | Fixed |
As a resident or business owner within Ringgold, you can choose the electricity provider that best meets your specific needs.
Compare Power is a free consumer service started in 2009 to assist residents of Ringgold searching for their lowest-rate electricity plan.
Plan information is presented in a user-friendly format that enables quick and simple comparison of available plans and options.
Plans from many different electricity providers are shown in a standardized layout that makes comparing your options simple and quick.
This assures Texas consumers avoid hidden fees and marketing gimmicks by comparing plans “apples-to-apples” without wasting hours calling different energy providers or navigating hundreds of different websites.
Electricity Price Trends in Ringgold
Energy in Ringgold is deregulated. As an energy customer, you can choose a retail electricity provider (your energy provider), which gives you flexibility and power over your energy bill.
Deregulation of electricity in the state de-monopolized the electricity market for most of the state, the city of Ringgold included, which introduced lots of competition.
As a result, many fantastic energy providers compete for your business in Ringgold by offering low prices, making it a great time to compare, switch, and save costs on your energy statement.
As many as 100+ retail electricity providers compete for your account in Ringgold, and hundreds of plans exist to select from.
Average Electricity Rates in Ringgold
January 2026The average residential electricity rate in Texas is 16.1¢, 14% less than the U.S. average.
EIA Rates
Residential · Texas · last 24 months
- Latest
- 15.7¢/kWh
- Period avg
- 15.3¢/kWh
- Min
- 14.5¢/kWh
- Max
- 16.1¢/kWh
Got me the cheapest electric. Nice.
How to Find the Best Energy Plan in Ringgold
#1 rule: Know your usage!
Knowing the amount of electricity you will use monthly is the best way to find a deal on energy in Ringgold. Why does this matter?
The “price per kWh” you see electricity companies advertising is for an exact monthly usage (typically 2000 kWh).
Every plan has a different calculation for how your monthly bill is computed, and your monthly bill will be determined by how much power you use in the month.
Unless you match the exact advertised usage each month, you will pay a “price per kWh” different than the one you saw advertised when you enrolled.
Fortunately, there’s a better way to select your electricity company.
Calculating your total monthly bill based on estimated monthly usage, then comparing options by the total monthly bill is the best way to shop for the lowest rate for your household.
Better still, if you have a year of usage history for your household, you can compare plans by total annual cost. This annualized method considers the changes in usage between the summer and winter months and is the best way to find the right electricity rate plan for your home.
Compare Power does all the complicated math for you instantly. What takes hours inside a spreadsheet is now done in just moments.
We put you in the driver’s seat, taking what would amount to hours of research, spreadsheets, and computations across hundreds of offers and assisting you step-by-step with the electricity plan that’s best for your household’s consumption.
We clarify the fine print, disclosing the various charges, so you’ll know precisely where your money is going and what to expect on your monthly bill.
We then help you order your plan with your chosen electricity company without ever having to leave our service.
The takeaway here is you must understand your expected or historical usage before ordering the right electricity plan for your home.

If you don’t know your usage, estimate
Suppose you recently purchased a home or business or cannot obtain 12 months of usage history. In that case, you can always estimate your average monthly energy usage.
Although knowing the previous 12 months of usage is optimum, it is far better to estimate the average energy consumption than to select the first electricity provider that you see advertised. After all, you have no idea how much energy you will use at that point.
Use Compare Power to shop for the best electricity plan for your specific usage.
Moving to Ringgold: Setting up Electricity
If this is your first time setting up electricity service in Ringgold, to get the best rate, you need to get the previous 12 months of energy usage for your new home.
Ask the previous homeowner to provide you with their past 12 months of usage.
This information is readily found in recent billing statements.
Acquiring usage for the past 12 months may take effort, but the time (and savings) will be well worth it.
Once you have historical usage, Compare Power will do the math instantly to help you find the best plan for your home’s usage pattern.
Note: If you cannot obtain historical usage information, a second option would be to estimate your future usage using our “Help Me Choose” tool. By simply entering your zip code, the tool can assess your home’s projected electricity consumption.
By signing up for a plan through Compare Power you will receive automated reminders when it’s time to renew your existing plan or switch plans.
Switching Electricity Companies in Ringgold
Switching is good. Market conditions are constantly changing, so it is essential to shop for a lower price each year when your contract is about to expire.
Your existing energy provider will raise your energy rate once your term expires. If you do not act, you’ll be left on a month-to-month rate significantly more than the plan you signed up for.

Before renewing your contract, check the rates of competing electricity providers.
Switching can save you hundreds or thousands of dollars yearly on your electricity bill.
Switching is easy:
- You don’t have to call your current provider to cancel (no “break-up call”)
- No one comes to your home
- There is no disruption in your power supply
- It takes just minutes
When you switch, your new energy company will handle everything, including terminating service with your previous provider.
Your lights stay on when you switch. Electricity in Ringgold is all delivered by the Oncor Transmission and Distribution Utility.
The wires and poles that deliver electricity to your home do not change when you switch electricity companies. Therefore the reliability of your service is not affected.
You can choose any date within 14 days of your contract expiration without an “early cancellation” fee. Texas law protects you here.
If you’re still under contract, find out how many months remain on your contract. You can set a future start date with most companies up to 6o days in advance.
And even if you’re well inside your contract, savings achieved on your monthly bill by switching companies may outweigh the fee to break your existing contract.
If you’re ready to switch and would like to know how to find the best plan remember that knowing your usage is the best way to find the lowest price.
You will want to find your past usage for the past 12 months to determine the best plan with the lowest rate for your household.
Ringgold Energy Companies
Showing 30 active providers · residential. Sorted by Google rating.
Are you looking for a great electric company in Ringgold?
You can enroll for services with great electricity providers such as TXU Energy, Reliant, Direct Energy, and more.
Click on the provider of your choice to view rates, learn more, or sign up.
No-Deposit Electricity Plans in Ringgold
If you need to find an energy plan in Ringgold that requires no deposit, we can help.
If you are charged a deposit on your first plan selection, Compare Power will automatically show you other plans available without a deposit.
That saves you a lot of time and hassle. No more surfing the internet and calling energy providers to determine if a deposit will be required.
We will review the other plans for any deposit requirements instantly so you can get your lights on and return to your day.
Learn how to get no-deposit lights.
Deposit Waivers
You may be eligible to waive the deposit if you meet one of the Texas Public Utility Commission §25.478 - PUCT §25.478.
Ringgold Business Power Plans
If you run a business in Ringgold, you’re not alone.
Ringgold is home to many small and large businesses and is a great town to run a company.

To lower your energy bill, compare rates from competing providers.
Compare Power bridges the gap between your business and energy providers by inviting various energy providers to compete for your business in a sealed bid process.
You submit your information once, and the companies will present their bids. You choose the lowest price. Simple, quick, and easy.
Click here** to get competing quotes for your business electricity.**
Ringgold Utilities
Electricity
To learn more about smart meters or to download your electricity usage, visit (888) 866-7456.
To report an issue with your electricity service or power outages in Ringgold, visit the https://www.tnmp.com/outage-center or call them at (888) 866-7456.
Gas
For gas service in Ringgold, call or visit Ringgold’s official city website to determine who your provider is.
Waster/Sewer/Garbage/Recycling
In Ringgold, the City of Ringgold usually handles water, garbage, sewer, and recycling services.
Other Utility Service Areas in Texas
Not in the Texas-New Mexico (TNMP) Service area? Search low electricity rates by service area and local utility company.
Click on your Texas Distribution Utility (TDU) below to compare electricity rates in your service area.
- CenterPoint
- Oncor
- Texas-New Mexico Power (TNMP)
- AEP Texas North
- AEP Texas Central
- Sharyland Utilities
View Electricity Prices for Zip Codes in Ringgold
Find cheap electricity rates by zip code. Click on your zip code below to find competitive rates in your area.
Popular TX ZIP codes
- 75001
- 75002
- 75006
- 75007
- 75009
- 75010
- 75011
- 75013
- 75015
- 75019
- 75020
- 75021
- 75022
- 75023
- 75024
- 75025
- 75028
- 75032
- 75033
- 75034
- 75035
- 75036
- 75038
- 75039
- 75040
- 75041
- 75042
- 75043
- 75044
- 75046
- 75048
- 75050
- 75051
- 75052
- 75054
- 75056
- 75057
- 75058
- 75060
- 75061
Showing 40 of 1321 TX ZIP codes.
View Electricity Prices for Cities Near Ringgold
Are you looking for a cheap electricity rate in another city? Find your city below and click to sign up for a low-cost electricity plan.
If your city is not on the list, use the zip code finder for a rate lower than what you currently pay in your city.