I am with TD too. $700+ per year for basic coverage. ) y) u! W% ]& d 0 {" K8 @0 S3 L% c1 f" 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.