This might be a bad example because it has to do with S&W and if they're such a big distributor of S&W, they might be able to offer price breaks on them BUT ...
I moved out of NJ about a year and a half ago. Before moving I was thinking about getting a S&W3913 but I ended up moving before the paperwork ever came through (
gotta love NJ and their Handgun Purchase Permits ). Ray's gave me a quote of around $560. Efengers (
not sure how to spell it but it's that place in Somerville/Bridgewater on NJ28 on the west side of the road) wanted about $640 for the same gun and when I actually bought it down here in FL, I paid about $610 for it (
maybe I got ripped off and could have got it even cheaper -- I don't know but I did try a few places and $610 was about the best price going).
So to me, looking at these numbers, Rays
seemed to have the best prices in NJ and they seemed to be a pretty good bargin when compared to a few places down here as well. Again, this might not be a good comparison because they might have lower prices on S&W's and higher prices on the other brands because they are actually a national authorized S&W repair center. So, if your S&W ever breaks, you can save yourself about a hundred dollars in shipping & insurance expenses and just drive it over to them.
Just my $0.02 worth of this. FUD.