We had some of the same concerns as you so we went down to the insurance office off the square and spoke with someone there. You'll need to call and make an app't but it will happen fairly quickly. It was most helpful as she plugged our info into the computer and came up with the best plan that fit our needs. It was better than winging it on our own and she can offer advice etc. None of the ads were helpful and of course they all make it sound like "theirs" is THE best. Go to a professional who can walk you through this.
Hope this helps!!!!
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