The more relaxed you are, the more foreplay, the less anxious, building up desire prior to touching "it spots", don't think about expectations, just feel, and it will be easier for your body to talk to you, to let you know where it needs to be caressed, where it needs to be touched and how.
Rubbing your back, kissing it lightly, and rubbing your skin in general wakes up your senses prior to starting any sexual foreplay.
Then it will happen naturally. You MUST be lubricated before any direct contact happens, or there will not be any chance of pleasure developing. Natural lubrication is your best choice since it also indicates readiness. And then you can still continue to build up desire, as this will send blood to the area and increase sensitivity.
During intercourse, it is important for you and your husband to maintain rythm and closeness, or you will only be experiencing the "ins and outs" of the situation, which leaves you out of luck for stimulation.
The "Better Sex Tapes" are educational tools that you may want to consider, they are produced using actual couples and sex therapists. You can search for different sources to obtain them from, or perhaps rent them. Here is one link I found:
http://www.bettersex.com/sex-education/better-sex-video-series-6-volume-colle...
I am reminded of one episode of friends, where Monica and Rachel were showing Chandler what NOT to touch until a girl is ready... Funny episode, but absolutely true!
Whatever your inhibitions, may actually be what gets you more excited... You may just be supressing your feelings. Fantasize.
Above all, have fun while trying out the best ways to find your "zone".
Happy experimenting ...
MadArt (ist)