I purchased my iphone4 from Apple and want to switch carriers do I need to unlock my phone

My husband purchased my phone at Apple Store, we then assigned At&t as our carrier. I am no longer under contract and want to switch carriers. I am told I must unlock my phone, but I am not sure if I have to since we bought the phone at full price from Apple. If I do have to unlock my phone first how would I do that?

Contact AT&T for unlocking details.
unlocking AT&T iPhones (thanks to wjosten for the link)
http://www.att.com/esupport/article.jsp?sid=KB414532#fbid=Ont7guWFCdY

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