I am with TD too. $700+ per year for basic coverage. # B: j4 h* _ r5 {3 |$ ?& q+ A $ H0 }3 c: d2 \8 _3 wYou 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.