I've always used Provident Metals and have never had any issues with them. They are the cheaper than the other sites, but still too high over spot for my taste. I get free shipping on any order over $100. Most local dealers I have been to charge just as much over spot as the online dealers.
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I agree hoss, for most people they will have better luck online than most local coin shops. Its always worth at least stopping in just once to a few in your area in my opinion. You don't necessarily have to buy anything even though generally most lcs's will charge more for first time buyers because most customers tend to not come back. I found a diamond in the rough with my lcs and truly lucked out. Its why I have been a loyal customer there for years and will continue doing the majority of my silver pick ups there. Thank you for reading boss hoss! I appreciate it :p