Many people having given a lot of thought about these kinds of questions - I really like Aharanov's discussion in a Qiskit article here.
Recalling some history, we may have:
- Feynman took a guess that his quantum computer might help simulate (Bosonic) quantum systems, as he properly intuited that quantum mechanics is not amenable to classical simulations;
- Deutsch initially, and later Deutsch and Jozsa, were motivated to explore quantum Turing machines and their implications for the Church-Turing thesis and especially what we now call the extended Church-Turing thesis;
- Bernstein and Vazirani intended to formalize that intuition, and along the way found good oracle separations between BPP and BQP;
- Simon really thought that quantum circuits were no big deal, but ended up finding his algorithm;
- Shor picked up Simon's paper and suspected that Simon's exploitation of periodicity was important for the discrete log problem initially and factoring later;
- Grover discovered his algorithm after learning of quantum computing from Shor, and had some thoughts about diffusion with quantum operators;
- Aharanov, Jones, and Landau knew of the relationship, noted by Witten, between the Jones polynomial and topological quantum field theory; and
- Lloyd recounts his work with Harrow and Hassidim, and the "well d'uh" observation (his sentiment) that quantum mechanics is linear, and inverting a matrix is linear, so a fast quantum algorithm for matrix inversion could work.
There seems to be different motivations for each of these. Perhaps it's hard to construct a "toolkit" from the above - but, as hinted by @Marco Fellous-Asiani in the comments, many of these algorithms are now subroutines for other algorithms!
For example even considering its many particular limitations, the linear systems (HHL) algorithm makes a good capstone in a course on quantum algorithms, as it includes (1) state preparation such as at least one of (a) adiabatic preparation, (b) amplitude amplification, or (c) the Grover-Rudolph protocol to prepare the initial state $|b\rangle$, execution of (2) the Quantum Phase Estimation (QPE) algorithm which includes (d) Hamiltonian simulation to simulate $A$ controlled with a clock register along with (e) the inverse Quantum Fourier Transform (iQFT) of the clock register to determine the phases, (3) the classical-to-quantum algorithm rotation of an ancilla qubit, (4) post-selection on the ancilla, and (5) phase kick-back with uncomputation of the QPE including (f) a (forward) QFT of the clock register and (g) Hamiltonian simulation controlled off the clock register. Further the HHL algorithm is often followed by (6) a SWAP test on two states so-prepared, so as to calculate the inner product thereof.
I also think the old adage of "1% inspiration, 99% perspiration" has to apply to quantum algorithm discovery. Shor took about a year about six months to formalize his initial discrete-log algorithm after coming across Simon's preprint.
Remember quantum algorithms are generally pretty good at characterizing global properties of functions - for example, periodicity as exploited in Shor's algorithm. So, might be able to have a quantum algorithm to tease out that property very efficiently. Knowing a little (or a lot) about linear algebra certainly helps.