You and your car together represent a unique combination—and you’ll get the best insurance value by shopping for a policy that perfectly matches it. Your coverage should reflect your needs, priorities and budget. You’ll want to evaluate how you use your car, what risks you face and what options you want from an insurer before you compare policies and insurers.   Take a Good Look at Yourself—and Your Car Consider the following questions when you’re getting ready to shop for auto insurance: 1. How Much Do You Love Your Car? Okay, your car is not a family member or even a person, but do you have a very special attachment to it? If so, you’ll want it fixed perfectly—or replaced with the same model—if anything happens to it. So shop for the fullest range of insurance, including collision, comprehensive and even glass coverage. On the other hand, if you drive a beater, see cars as interchangeable and want to save on premiums, you might consider purchasing only liability insurance.   2. How Much Do You Drive? Do you absolutely need your car every day—for instance, to get to work? Or is owning a car mostly a matter of convenience that you could forgo if needed? Do you drive 100 miles a month or closer to 1,000 or more? Make sure your policy reflects how much you drive. If you don’t drive a lot, you may want to opt for mileage-based insurance.   3. Will You Be Using Your Car for Work? If you use your car not just to get to work, but to perform work tasks, commercial auto insurance is a necessity. A personal auto policy will not provide coverage if you deliver pizzas, drive as a courier, transport paying passengers through a ride-share service or use your car for other commercial activities.   4. What Type of Car Do You Drive? Insurers have mountains of data, and they know in precise detail what types of cars, makes and models are more—or less—likely to incur claims. A flashy sports car with a powerful engine may be more likely to be stolen and cost a lot for body work than a mid-sized sedan—and your insurance will be priced accordingly. By the same token, you may receive discounts if your car has the latest safety features and a good safety record.   5. Where Do You Live—and Park? Where you live will impact your insurance rates—and it may be a factor in what coverage you purchase. For example, cars parked on the street in urban areas face a greater risk for theft or vandalism, so you may want to purchase comprehensive coverage. You may discover that your rates fall if...