I am with TD too. $700+ per year for basic coverage. 9 n% y, F4 Y* x: K8 L/ E% ] " s" I! T3 U9 \" e0 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.