To describe the Hilbert scheme of Spec( k[x]/(x^n)), a think point on the line, and the Hilbert scheme of Spec( k[x]_{(x)}), the local ring of a point on the line. One will then get concrete examples of Hilbert schemes and how they satisfy their universal properties, and examples of how little the set of k-rational points may tell about the Hilbert scheme.
There is no perfect universal reference. The best references are those with a narrow specific goal. Here are a few; these are off the top of my head, so I've probably forgotten something important. I'll add more when I have time.