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Indeed there are many decisions, but they do not have to be difficult ones to make if you know what you are looking for.
Once you know what you want, then it will be much easier to find a company that can give you that for the lowest price.
How To Decide What You Want You must decide what all your personal needs are such as a teenager in the house who also drives, but needs to be covered as well. Then make sure the policy will cover everything on the list. How Much Liability Coverage Should I Get?
You also must decide how much liability coverage you want (paying for damages that you cause to another person on the road). There are two parts to liability coverage: bodily injury and property damage to the other person. Since liability insurance is the main reason to get insured in the first place, it is strongly recommended that insurers insure themselves well above the minimum requirement of the state. It is a good idea, in this area, to go as high as you feel you can because if you are unable to pay all the damage costs, first your assets will probably go to help pay for it, then you will just be in mounds of debt.
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From: (california auto insurance) http://ezinearticles.com/?What-To-Look-For-In-An-Auto-Insurance-Company&id=381579