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Decisions are hard to make. I usually take extra pre-cautions before I jump into conclusion or even execute my choice. So if I have a big decision to make, I'd make sure I exhausted all options that I could think of. I'd make sure that I researched or surveyed at least just to make sure. One thing I learned through this experience is by joining online forums. These forums were actually built by consumers and buyers like us. That's why when my sister asked about the insurance she was interested on, I advised her to check insurance forums online to address all her issues and concerns.