I am with TD too. $700+ per year for basic coverage. 7 q! W" l& A$ y& @; V ; ^2 J8 N- A9 y/ O9 K& l% Q7 U8 EYou 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.