Expanding the area...?

MY girlfriend and i have been experimenting what we like for a couple months now. She and i have both agreed no sex before marriage but we still like to touch eachother. we havent gone to taking pants off but i have gone down the back of her pants, under her underwear. she doesnt object when i do that nor when i touch her boobs. we have tried talking about what else we can do but we are stuck and cant find anything. does anyone have good ideas? and should i try to go down the front of her pants sometime?