Will i get spot price for silver dimes, quarters, and half dollars?

As others have pointed out, you can sell your "junk" silver regardless of which way the price is headed. If it's going down quickly, you'll probably get a slightly worse deal than you normally would compared to the "spot" price, because the dealer needs to build in a little room for the price to go down further before he can sell it.

Most dealers will pay a certain multiple of the face value, and that lets you calculate exactly how much per ounce you're getting.

$1.00 in face value 90% silver coins contains .72344 troy ounces of silver if the coins are uncirculated. Circulated coins will weigh a little less, but don't worry about it unless the coins are almost worn slick. Also, it doesn't matter what the mix of coins is, $1=.72344 ounces.

Suppose a dealer tells you he's paying 25 times face value. That means he'll pay $25 for that .72344 ounces. Just divide 25 by .72344 to get the price he's paying per ounce (in this case, $34.55/ounce).

And silver coins have not been illegal to melt in the US since at least 1980. It's currently against the law to melt cents and pennies, but that's because if everybody did it, we'd have a huge coin shortage on our hands.

Coinflation Silver Dime

You will be able to sell your silver regardless of the silver price usually the more you sell the closer to spot price you will get you should be able to get 5%-8% less than spot price without a problem at a reputable dealer. Ebay is going to be 9% plus paypal fees so its going to cost you more, if you have some key date coins ebay might bring you more money but junk silver wont matter.

I would think that coin stores would buy your bulk silver regardless of the price of silver. They would just pay you a different amount. I think you can sell now at about 20 times face value so you probably have around $2000 worth of silver coins right now. Do a Google search on "bulk silver coins" and call a few of them up to see what they are paying.

BTW - Why should eBay be a last resort? I think it's a pretty good place to sell stuff like you have.

Dealers almost never pay full spot for 'junk' silver, unfortunately. But you should have no problems selling it very close to spot to a dealer, even if the prices goes to the moon.

If the dealer doesn't have enough cash on hand, they will just call a bank and get a loan using your silver as collateral, pay you slightly below market value, and turn around and sell it at market value or slightly above to make their cut.

Coinflation

It is illegal to "melt down" US coins, so you can only get face value for them....legally!

Take them to your bank, and they will exchange them for banknotes.