No other insurance is divided into types, some you have to have and some you don’t. No other insurance is given to you by law, but only part of it. No other insurance requires you to carry two, and usually three cards. I could go on, but I think you get it.
Knowing how complicated this topic really is, I am honestly shocked at how little research most
people do about this decision. There is a TON of information out there, I am quite sure you already know that. But the honest truth is that most people go with what a friend recommends.
Higher or lower premiums then will be necessary.
Uncertainty over financial stability.
Uncertainty over rate hikes.
Coverage that may not meet your needs.
As a professional in this field, we are not allowed to make mistakes. There are accurate, complete resources I have come to rely upon and refer to regularly, to avoid making a mistake.
You should have them too, so that you can make the best decision possible. Get them now, some mistakes cannot be changed later.
Confirm what you are told, know the right questions to ask, make the right decision. Being smart is not knowing everything, nobody can do that. Being smart is knowing where to find what you need to know, when you need to know it.