Fingering before actual sex?

Im 18. I'm still a virgin and whenever I let my boyfriend finger me, it's uhh.. he never hits the spot. Do I have to have actual sex to feel pleasure when I get fingered? I also have the same problem when I do it myself. I always keep him pleasured with forplay but, when it comes to me... I'm never satisfied. Unless he plays with my clit. Please give me tips and tricks!