Your Insider’s Guide to Finding the Best Electricity Rates and Energy Plans in Abilene
Whether you are a business owner, new resident, or long-time citizen of Spur, this comprehensive guide will enable you to find your best solution for an electricity plan.
Spur Electricity Rates
| Provider | Plan | Price | Term | Cancellation Fee | Type | Docs | |
|---|---|---|---|---|---|---|---|
A | APGE | SimpleSaver 12 Credits | 7.6c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 12 Green Credits | 7.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Lone Saver Plus 12 Green Credits | 7.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 13 Credits | 8.6c per kWh | 13 Mo | $250 | Fixed | |
J | Just Energy | Smart Choice - 12 Credits | 8.7c per kWh | 12 Mo | $175 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 12 Credits | 8.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Plus 12 Credits | 8.8c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Plus 12 Green Credits | 8.8c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 24 Green Credits | 8.8c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
R | Rhythm Energy | Rhythm Saver 12 Green Credits | 9.0c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 8 Credits | 9.0c per kWh | 8 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 8 Credits | 9.3c per kWh | 8 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 24 Credits | 9.9c per kWh | 24 Mo | $250 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 24 Credits | 10.1c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 36 Credits | 10.6c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Smart Choice - 24 Credits | 11.2c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 12 Credits | 12.1c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 24 Credits | 12.5c per kWh | 24 Mo | $175 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 13.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 13.9c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Bill Credit Bundle 24 Credits | 14.1c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 12 Credits | 14.1c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus 24 Credits | 14.1c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Bill Bonus 12 Credits | 14.1c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 12 Green Credits | 14.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | Texas Bright 13 Green Credits | 14.5c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
C | Constellation | 12 Month (No Min Usage Fee) | 14.6c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 13 | 14.6c per kWh | 13 Mo | $250 | Fixed | |
A | APGE | True Simple 12 | 14.7c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 12 plan Credits | 14.9c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 24 plan Credits | 14.9c per kWh | 24 Mo | $295 | Fixed | |
C | Constellation | 12 Month GREEN (No Min Usage Fee) | 15.4c per kWh | 12 Mo | $150 | Fixed | |
A | Amigo Energy | 12th Month Free - 12 | 15.5c per kWh | 12 Mo | $175 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 15.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 15.5c per kWh | 12 Mo | $150 | Fixed | |
A | Atlantex Power | Luminous 12 | 15.6c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | Texas Bright 24 Green Credits | 15.6c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | APGE | True Simple 24 | 15.8c per kWh | 24 Mo | $250 | Fixed | |
R | Rhythm Energy | Simply Green 13 Green | 16.0c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
A | APGE | True Simple 36 | 16.0c per kWh | 36 Mo | $350 | Fixed | |
A | Atlantex Power | Luminous Green 12 Green | 16.0c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | Simply Days Free - 24 | 16.2c per kWh | 24 Mo | $175 | TOU | |
F | Frontier Utilities | Light Saver 12 | 16.2c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 36 Green Credits | 16.2c per kWh | 36 Mo | $20/Mo remaining | Fixed | |
G | Gexa Energy | Gexa Light Saver 12 Green | 16.3c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 12 Credits | 16.3c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 13 Credits | 16.4c per kWh | 13 Mo | $250 | Fixed | |
4 | 4Change Energy | Cash Money 12 Credits | 16.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
R | Reliant | Pure Power 24 plan | 16.5c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Live Brighter Lite 12 | 16.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 16.5c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 16.5c per kWh | 24 Mo | $295 | Fixed | |
R | Rhythm Energy | Simply Green 23 Green | 16.8c per kWh | 23 Mo | $20/Mo remaining | Fixed | |
T | Tara Energy | Weekends Free Plan - 24 | 16.9c per kWh | 24 Mo | $175 | TOU | |
F | Frontier Utilities | Saver Value Plus 12 Credits | 16.9c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Value 12 Green Credits | 16.9c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Pure Power 12 plan | 16.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 16.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 16.9c per kWh | 12 Mo | $150 | Fixed | |
A | Amigo Energy | Secure Energy - 24 | 17.0c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 24 | 17.0c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Basics - 24 | 17.0c per kWh | 24 Mo | $175 | Fixed | |
A | Amigo Energy | Simply Days Free - 12 | 17.2c per kWh | 12 Mo | $175 | TOU | |
J | Just Energy | Simple Choice- 12 | 17.4c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Renters Choice - 12 | 17.4c per kWh | 12 Mo | None | Fixed | |
J | Just Energy | Basics - 12 | 17.4c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | Rent Simple Saver 24 Credits | 17.4c per kWh | 24 Mo | $250 | Fixed | |
D | Discount Power | Essential Saver 12 | 17.5c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Simple Advantage 24 | 17.5c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Simple Advantage 12 | 17.5c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 18 Credits | 17.6c per kWh | 18 Mo | $250 | Fixed | |
J | Just Energy | Simple Value - 24 Credits | 17.7c per kWh | 24 Mo | $175 | Fixed | |
D | Discount Power | Bill Credit Bundle Essential 12 Credits | 17.8c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Base 12 Credits | 17.8c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 12 Credits | 17.9c per kWh | 12 Mo | $175 | 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 | |
F | Frontier Utilities | Saver Value 12 Credits | 18.0c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Lite 12 Green Credits | 18.0c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 36 Credits | 18.1c per kWh | 36 Mo | $175 | Fixed | |
D | Discount Power | Wise Buy Basic 24 Online | 18.1c per kWh | 24 Mo | $295 | Fixed | |
R | Reliant | Basic Power 12 plan | 18.1c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Basic Power 24 plan | 18.1c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | Rent Simple Saver 36 Credits | 18.7c per kWh | 36 Mo | $350 | Fixed | |
R | Reliant | Conservation 12 plan | 18.9c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Conservation 24 plan | 18.9c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Live Brighter 1K+ 24 | 19.1c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Simple Rate 12 | 19.2c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 19.2c per kWh | 12 Mo | $150 | Fixed | |
4 | 4Change Energy | Power Maxx Saver 24 Credits | 19.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Power Maxx Saver 12 Credits | 19.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
G | Green Mountain | Pollution Free Conserve 12 Preferred Green | 19.5c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Conserve 24 Preferred Green | 19.5c per kWh | 24 Mo | $295 | Fixed | |
P | Payless Power | 12 Month - Prepaid - No Deposit & No Credit Check Credits | 19.6c per kWh | 12 Mo | $49 | Prepay | |
P | Payless Power | 6 Month - Prepaid -No Deposit & No Credit Check Credits | 19.6c per kWh | 6 Mo | $49 | Prepay | |
G | Green Mountain | Pollution Free e-Plus 24 Preferred Green | 19.7c per kWh | 24 Mo | $295 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 12 Preferred Green | 19.7c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Ultra Flex 1 | 19.8c per kWh | 1 Mo | None | Fixed | |
F | Frontier Utilities | Saver Deluxe 12 Credits | 20.0c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Advantage 12 Green Credits | 20.0c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Ultimate Season Pass 12 | 20.6c per kWh | 12 Mo | $150 | TOU | |
T | TXU Energy | Ultimate Season Pass 12 | 20.6c per kWh | 12 Mo | $150 | TOU | |
R | Rhythm Energy | Watt a Deal 12 Green Credits | 20.6c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Texas Two-K 12 Green Credits | 20.6c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
J | Just Energy | Mega Saver - 12 Credits | 20.7c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | High Usage Saver12 Credits | 20.8c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Mega Saver - 24 Credits | 21.0c per kWh | 24 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Premier 12 Credits | 21.0c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Premier 12 Green Credits | 21.1c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver13 Credits | 21.1c per kWh | 13 Mo | $250 | Fixed | |
T | TXU Energy | Flex Forward | 21.2c per kWh | 1 Mo | None | Fixed | |
T | TXU Energy | Flex Forward | 21.2c per kWh | 1 Mo | None | Fixed | |
A | APGE | High Usage Saver24 Credits | 21.6c per kWh | 24 Mo | $250 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 22.1c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 22.1c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver36 Credits | 22.1c per kWh | 36 Mo | $350 | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 24 Credits | 22.2c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 12 Credits | 22.2c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 24 Credits | 22.2c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 12 Credits | 22.2c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 12 plan Credits | 23.2c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 24 plan Credits | 23.2c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 23.4c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 23.4c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Twelve Hour Power 12 Credits | 23.5c per kWh | 12 Mo | $150 | TOU | |
G | Green Mountain | Pollution Free Green Savings Plus 24 Preferred Green Credits | 23.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 24.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 24.6c per kWh | 24 Mo | $295 | Fixed |
You have the power to choose your household’s energy provider in Spur.
Compare Power is a free consumer service established in 2009 to assist Spur residents in searching for their lowest-rate energy plan.
Plan information is presented in a user-friendly format that enables a quick and simple comparison of available plans and options.
Competing plans from several electricity providers are displayed in a grid, making evaluating alternatives simple and fast.
This assists Texas energy customers in avoiding hidden charges and marketing gimmicks by comparing plans “apples-to-apples” without throwing away hours and hours making phone calls or navigating dozens of different online sites.
Electricity Price Trends in Spur
Electricity in Spur has been deregulated. As a resident, you have a choice when picking a retail electricity provider (your energy company), which gives you insight and control over your energy bill.
Deregulation of electricity in the state de-monopolized the electricity market for most of the state, the city of Spur included, which introduced lots of competition.
As a result, many fantastic energy companies compete for your business in Spur by offering low rates, making it a great time to shop, switch, and save money on your power bill.
As many as 65+ energy companies compete for your account in Spur, and hundreds of plans exist.
Average Electricity Rates in Spur
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 Spur
#1 rule: Usage is king!
Discovering how much electricity you will use in a month is the ideal way to shop for energy in Spur. Why is this important?
The rate electricity companies advertise for an exact monthly usage (typically 2000 kWh).
Every plan has a different calculation for how your monthly statement is calculated, and your monthly bill will change according to how much energy you use each 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 signed up.
Fortunately, there’s a better way to select your electricity provider.
Calculating your expected monthly bill based on expected monthly usage, then comparing rates with the total monthly bill is the best way to shop for the lowest rate for your household.
Better yet, if you have 12 months of usage history for your home, 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 determine the perfect energy plan for your home.
Compare Power does all the complicated math for you in an instant. What takes hours on a spreadsheet is now done in a few moments.
We put the power in your hands, taking what would amount to hours of research, spreadsheets, and calculations across hundreds of plans and guiding you to the energy rate plan that’s best for your home’s consumption.
We clarify the details, disclosing all fees, so you’ll know exactly where your money is going and what to anticipate on your monthly bill.
We then assist you in enrolling with your chosen electricity provider without leaving our service.
The takeaway here is you should determine your expected or historical usage before ordering the best electricity plan for your home.
If you don’t know your usage, estimate
If you cannot acquire 12 months of historical usage or own a brand new home, the next best thing is to estimate how much energy you will use in an average month.
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 energy plan for your specific usage.
Moving to Spur: Setting up Electricity
If this is your first time setting up electricity service in Spur, you need to get the previous 12 months of energy usage for your new home to get the best rate.
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: You can estimate your monthly usage if you can’t obtain a usage history. Utilize our “Help Me Choose” tool when you enter your zip code below, and we’ll help you evaluate your home’s usage.
Sign-up for a plan in minutes through Compare Power. We will remind you when it’s time to come back to switch and save at the end of the plan term you decide on.
Switching Electricity Companies in Spur
Switching is good. Market conditions constantly change, so you must shop for a lower rate each year when your contract expires.
Your existing electricity company will typically raise your energy rate once your term expires. If you do not act, you’ll be left on a month-to-month rate significantly higher than the plan you signed up for.
Before renewing your contract, check the rates of competing energy providers.
Switching can save you hundreds or thousands of dollars yearly on your energy bill.
Switching is easy:
- You don’t have to call your current company to cancel (no “break-up call”)
- No one comes to your home
- There is no disruption in your electricity supply
- It takes just minutes
When you decide to switch, your new energy company will take care of everything for you, including terminating service with your previous company.
There is no loss of power when you switch. Electricity in Spur is all delivered by the Oncor Transmission and Distribution Utility.
The wires and poles that deliver power to your home do not change when you switch electricity companies. Therefore the reliability of your service is not affected.
You can pick any date within 14 days of your contract expiration without an “early termination” penalty. 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.
The amount saved each month by switching to a different electricity company may outweigh the one-time fee to get out of your contract early.
If you’re ready to switch and want to find the best plan, remember that knowing your usage is the best way to find the cheapest rate.
Keep in mind that when you get ready to switch and you want to know the most efficient way to find the right plan at the best rate, it is essential that you first understand your usage. To accomplish that, you must collect the usage history for the past 12 months.
Spur Energy Companies
Showing 30 active providers · residential. Sorted by Google rating.
Are you trying to find an excellent electricity company in Spur?
You can enroll for service with great companies such as TXU Energy, Reliant, Direct Energy, and more.
Click on the company of your choice to view prices, learn more, or sign up.
No-Deposit Electricity Plans in Spur
Need to find an energy plan in Spur that doesn’t require a deposit?
If you are assessed a deposit on your first plan selection, Compare Power will automatically show you other plans available without a deposit.
Instead of calling around electric providers or browsing websites to determine if different electricity companies need a deposit, this will save you a lot of time and effort.
Working for you, we will instantly check any deposit requirements for other plans, allowing you to get power and return to your everyday activities stress-free.
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.
Spur Business Energy Plans
If you run a company in Spur, several other organizations have also established themselves here.
Spur has become a thriving place for many small to mid-sized companies. The town is small enough to get to know people and thrive, yet close enough to large metropolitan cities that provide even more growth opportunities.
It would be best to shop for prices from competing providers to manage your electricity bill.
Compare Power bridges the gap between your business and energy companies by inviting various energy providers to compete for your business in a sealed bid process.
You submit your information on Compare Power, and the companies will present their bids. You choose the cheapest rate. Simple, quick, and easy.
Click here** to get competing quotes for your business electricity.**
Spur Utilities
Electricity
To learn more about smart meters or to download your electricity usage, visit (866) 223-8508.
To report an issue with your electricity service or power outages in Spur, visit the https://outagemap.aeptexas.com/ or call them at (866) 223-8508.
Gas
Call or visit Spur’s official city website for gas service in Spur to determine who your provider is.
Waster/Sewer/Garbage/Recycling
The City of Spur usually handles water, garbage, sewer, and recycling services in Spur.
Other Utility Service Areas in Texas
Not in the AEP North 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 Spur
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 Spur
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.