@Debbie *******
have a look at the OA on the thai embassy website. It takes a while to get your ducks in a row as you need the police check & doctors note (which was the hardest thing for us to get) Don't apply too early as the click starts ticking once it's been issued.
Look at back packer insurance we used big cat as it's extendable if you stay more than 1 year, also don't forget to get an international drivers permit before you come, it'll only be valid here for your 1st 3months but it's a start.
Good luck, you'll love it. Feel free to pm me if you have any questions & no you don't need an agent!