I am with TD too. $700+ per year for basic coverage. 7 l( S. D/ Q% j' G8 Q6 o- o 4 O% q; q3 Z$ e( AYou 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.