Consumer Action, a nonprofit consumer group in California, conducts periodic long-distance telephone rate surveys. Following are some consumer tips suggested by Consumer Action:

• Make sure you select a calling plan that matches your telephone calling habits instead of paying basic rates.

• Avoid calling directory assistance. This is an expensive way to get a phone number. Instead, use 411.com and get telephone numbers over the Internet.

• Compare telephone carriers in addition to the "Big Three" (AT&T, MCI, and Sprint). Consumer Action periodically compares carriers, and you can find its survey results online at www.consumer-action.org, or you can order a copy of the Consumer Action News issue with the long-distance rates survey from Consumer Action, 717 Market Street, Suite 310, San Francisco, CA 94103-2109. Send a self-addressed envelope with sufficient postage for a mailing weighing 2 ounces. If you have a cellular phone or if you purchase a calling card from a discount store, you may find that you don't need long-distance service at all.

We would like your feedback on this Personal Finance Frequently Asked Question.