It only makes good common sense to figure that if you are 20-something your insurance needs are going to be far different than if you are 50-something. Choose any two ages that are diverse enough and you will get the idea.
But, still, what do you need and how do you know what you need? Tough questions and ones that you really should get answered by an insurance agent who is an expert. It’s fine to go online and search for answers to your questions, but you have to realize that you won’t find all the answers. It’s totally impossible to put everything you need to know online.
Pick up the phone, make a call to a local agent and start asking questions. If you want to start with what you found on the website, go ahead, but remember that what you see on websites is the preferred rate for the “perfect” insured. There are not too many perfectly insured individuals out there.
You will need different things at 20-something – like protection for a broken leg. At 50-something you may be shopping for high blood pressure medications. Ask the agent, and don’t guess or you will wind up getting something that won’t work for you.