I am with TD too. $700+ per year for basic coverage. 6 e& s9 B. f4 J, o1 @ : t) k' c, ~1 X2 c6 _' D8 MYou 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.