#1. I prefer to call, but no financial benefit. The website can act up so calling can be less of a hassle.
#2. You can book through AAA, but there are no discounts for being a AAA member.
#3. An onboard booking is 10%, any non-onboard booking (online, phone, or TA) is a 20% deposit. The deposit is based on the cruise fare and not the port taxes and fees.
#4. You can get a full refund prior to the penalty period (75 days out from sailing) in all non-concierge staterooms. Concierge staterooms are not refundable, but you can postpone to another date and not lose your deposit.
Considering #4 if you don't book concierge than their is absolutely NO reason not to book ASAP.
Finally, there is only ONE sure way to save on a
Disney Cruise and that is to book the day the rates come out. I'll give you an example. On 10/19/2010 the 2012 rates came out. We were sailing over Halloween 2010 so I waited the week and booked online
TWO Cat 4As with 2 adults and 2 children for $7,600 for the 08/25/12 Fantasy sailing. The last price I saw a couple weeks ago for
ONE Cat 4A was $9,500!!! By booking early, I have two staterooms for less than the price of one and there is still 10 months to go before the sailing.
If I was you I would get my head wrapped around booking in advance very quickly.
Jeff