There are a number of physical formats you can consider when buying silver:
Buying silver on credit or speculating on the future price can lead to getting yourself in a significant financial jam.
Instead, put some money to the side that you're sure you're not going to need in a short time horizon, and use that to invest.
As a general rule, you should look at buying legal tender silver coins wherever possible. This will almost certainly include less overhead and premium than other formats, and be closer to the true spot price of silver.
Purchasing rare silver coins should be avoided unless you really know what you're doing. Some subjective measures of value are easy to misjudge, and may result in you getting taken advantage of.
Physical precious metals like silver are a hedge to the traditional banking system. In a crisis, if the system collapses, it may very well take your property down with it (if it can).
If there is a run on the banks, having your silver under your direct control means they can't confiscate it, block access to it, or have loaned it out in a leveraged fashion.
The Swiss government is unique, in that it's highly decentralized. They simply don't have the structure that would allow for a central authority to come in and confiscate property.
Because of this, they've long been considered a safe haven for metals like silver, and the reason we recommend considering sending some there once you've accumulated a large amount.