Presuming you're in the United States, you're correct, there are no deals to be had on the purchase of the phone itself. If you have an Apple store nearby, they offer much better customer service compared to most AT&T stores.
There is one thing to consider. You may be eligible for a FAN discount. (search in this forum for more info) If eligible, it won't discount the cost of the phone, but it will discount your monthly plan (usually 10-20% depending on the company or school). If you go this route, your best bet is to go to an AT&T store to get your iPhone becasue Apple stores do not process FAN discounts (it's an AT&T thing).
Hope this helps,
Bryan