debating is it necessary to insult people?

In formal debating, there's a term, "ad hominem", which means roughly "to the personal". It refers to the fallacious debating technique of attacking the other side with personal insults.

Here's a link to a Wikipedia article that describes it much more fully:

[ http://en.wikipedia.org/wiki/Ad_hominem ]

Maybe you can snow them by using that term in your response somehow. Anyway, just let them know that you're on to their game, and decline to argue any longer once they descend to that level.

That is not the meaning of a debate. It is to persuade people your opinion/knowledge of a subject is best. Political candidates get into some bad mouthing each other, but, people really want to hear the issues the differences in the sides.

Insults mean the insulter has lost the argument. They have no more logic and reason or courtesy, so they resort to verbal force. Logical people can therefore ignore the insults.

People who resort to insults have run out of thoughts and valid arguments.

It is not necessary as you can tell from watching presidential/vice presidential debates. There were some ad hominem slips that happened this past election (bayonets, "ships that go underwater called submarines"), but mostly you can see that it is not wanted or necessary.

It means they are immature and unable to express themselves without getting overly emotional. Not a fun person to debate with. Stay away from hot topics. Agree to disagree.

I have come to the conclusion that it just makes me feel bad to insult people that say stupid thing to me so I just let them go on but i walk away quickly

No