As stated, different girls like different things.
From my experience with my girlfriend, try 'ignoring' them for as long as possible.
Start by kissing her stomach and hips, working your way around all of her front, then skipping to kissing the area of her chest just above her breasts, then kissing her neck (can include ears if she likes it), before working back down to the stomach.
By now your girl should be tingling just about everytime you touch her. gently work you tongue to the underside of one ofher breasts (very sensitive), then work your way round the outside to the top, and then onto the other.
Gently run your tongue around in circles closing toward the nipple, then take it off her body and first gently stroke your tongue across her nipple, before flicking it back and forth.
Can't say it will work for sure, but know it works from mine and my girlfriends experience.
Good luck experimenting
