I haven’t shopped around, but Provident Metals currently metals has 1oz. 2013 Silver Eagles for under $32.00.
Cash price, plus $6 shipping. Using a credit card, add another couple bucks and you’re paying $40 for a BU Eagle.
On eBay, same thing basically. About $40 per coin with free freight.
At a coin shop, you’ll pay around $37 per coin. Close to a 30% premium.
Two years ago, the premium on an ASE was around 10%. Less if you had a friendly dealer.