(MONEY Magazine) – These agents offer shipboard experience plus deals costing 20% to 60% less than list prices. For an outfit near you, write the National Association of Cruise Only Agencies, 3191 Coral Way, Suite 630, Miami, Fla. 33145. -- Cruise Headquarters in La Jolla, Calif. bundles land and sea vacation packages and has been cruise-only since 1988; 800-424-6111.

-- The Cruise Line in Miami has focused on cruise vacations since 1983 and publishes the free World of Cruising magazine, with news and deals; 800-777-0707. -- Cruise Value in Novato, Calif. was founded in 1979 and acts as general sales agent for a number of foreign cruise ships; 800-551-1000. -- Family Cruise Club, a division of seven-year-old CruiseMasters agency in L.A., specializes in family voyages; 800-242-9000. -- Landry & Kling was founded in 1982 in Coral Gables, Fla. and focuses on group, luxury and extended voyages; 800-448-9002. -- World Wide Cruises in Fort Lauderdale has been in business for eight years and is known for 25% to 60% volume discounts; 800-882-9000.