Choker, you'll never pay spot price for physical. There's always a premium, especially for coins, but you'll also get a premium (not as much) when you sell, so it works out pretty close. On a lot of PM forums, people are saying coin shops are sold out all over the place, so the premium increases as physical shortages also increase.
Probably the best place online is
http://www.tulving.com/goldbull.html Site looks crappy, but they have the best prices, are totally legit and you get free overnight shipping.