1st off sign up for You first rewards at Loews hotels, they send out pin codes randomly for discounts(up to 40% off) And while your at it sign up at Universals site as well,they do the same with pin codes. I just got one for 35% off a family suite at CBR.A annual pass is a great way to save as well.
Cheap Tickets.com is another site to sign up for.
I have been staying on site since 04 for our stays and have always booked separately for the best deal.
As for which site you can check prices with out comitting , But the packages from Universal have strict rules and are not 100% refundable. Any changes after booking can result in additional charges.
This is what I do for our annual HHN vacation.
Book room around Febuary, requires 1 nights deposit(universals website)
This is the smsm rate(staymore savemore)if a better rate comes along I call and have it changed(aph,pin code or the rate just goes down).
I send a check to Loews hotels when I can , If I have to cancel all money
is refunded.Unlike packages which will charge you a % for canceling, plus
a package requires full payment before your stay. Always keep checking rates, Last year 3 weeks before our stay the aph rate dropped lower than the smsm rate and I saved about $150.00. Hope this helps.