commute long distances?
drive in heavy traffic?
live in an urban area or a rural area?
Another thing to keep in mind as you shop for auto insurance is your budget. How much can you afford to spend on auto insurance every month? Once you know how much you can afford, you can start looking at policies that fit into your budget. It can be tempting to choose the cheapest option available in order to maintain a more flexible budget, but remember that a cheaper option may ultimately cost you more down the road if you end up having to pick up the tab on costly repairs.
Insurance rates can vary significantly from one company to the next, so it's important to get quotes from a few different companies before making a decision. When getting quotes, be sure to compare apples to apples – that is, make sure the coverage levels are the same so you're comparing prices based on coverage level.