Compare two supplier offers in under 60 seconds using four numbers: effective rate at your typical usage, contract term, early-termination fee, end-of-term behavior. Effective rate trumps advertised rate. If supplier A advertises 9.2 cents but charges a $5 monthly fee, supplier B at 9.5 cents with no fee may be cheaper. Pick the offer with the lowest effective rate AND the cleanest contract terms.
Calculate effective rate
Effective rate = (rate × your typical monthly kWh + any monthly fees) / your typical monthly kWh.
Example: Supplier A at 9.2 cents + $5/month fee + 877 kWh: (0.092 × 877 + 5) / 877 = 9.77 cents effective. Supplier B at 9.5 cents no fee: 9.50 cents effective. B wins.
Apply all 4 factors
Rank both suppliers on effective rate. Then check term (12-24 months preferred). Then check ETF ($0 to $50 preferred). Then check end-of-term (clean rescission window preferred).
Pick the offer that wins on effective rate AND has clean terms. If they tie on rate, pick the one with cleaner terms.
Lock the rate before the next reset.
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Typical usage assumed?
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