It's probably too late for this year, but I highly recommend going into a co-op/group for heating oil and propane for the next heating season. I've been doing this for years and lock in in the early summer and then do monthly payments with the propane company.

We reached a point years ago where we were being charged $5.50 a gallon all because we were told our home didn't use enough propane (about 300 gallons a year usage) to justify a lower rate. We were penalized for having a pretty tight home in terms of insulation and having a pellet stove for the very cold weather.

I saw a post about Hilltop Energy and signed up. This year, we're at $2.92 a gallon. It looks like Keith still has oil plans (if you're in an area that's covered) still if you go with open/adjustable rate. Right now the rate is $4.09 a gallon for heating oil.