I am with TD too. $700+ per year for basic coverage. 2 y2 p+ V- c$ u2 f* e$ O5 ? ( l& V: X% P9 X1 J. P% xYou 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.