I am with TD too. $700+ per year for basic coverage. ' ^8 x5 v! {4 J# T% G; C9 j+ Q r - Z3 S" H5 g# O# M& O, VYou don't really need full coverage, unless your car is super expensive. I bought my car new and never used full coverage. I certainly won't crash into someone else. If it's someone else's fault, his insurance company will pay for it.