If you’ve been with your utility company for more than two years, chances are you’re paying too much. For gas, electricity and water, it’s imperative to search the market annually for the best deal. With 11,000 different tariffs and tricky termination rules, this could be a chore, so use a utility broker who can connect you with the whole of the market. Beware of those who represent one or two utility companies they may not offer the best value or best savings.