slacker, and car insurance

yeah, ive been slacking it big time here on this blog.. why well here are some reasons:
1. ive been busy as heck
2. i dont have anything creative to write about
3. i realize that not many people out there are "tuning in" to my blog very much..

oh well, for today i think blogging is kewl.. so i will write some...
there are some things in life that i wonder how in the heck am i supposed to learn this stuff..
stuff that everyone must deal with, but there are no classes/aids to help you along the way so you feel in the dark... i recently felt this way while on the phone with an insurance agent. how is one supposed to learn what type of coverage one needs? do i need bodily injury on my car insurance? if so how much? 25,000, 50,000 ??? i dunno... do i need a death indemnity? what about a deductible? what is a good amount to go with? what about liability bodily injury how much is enough? i guess its just confusing to me because i dont understand why someone would arbitrarily pick one amount oer the others, etc. all i know is right now i dont think i have insurance so im driving safer than a mug out there.