I am with TD too. $700+ per year for basic coverage. 5 y; p! a, h7 K7 ^) ~+ e6 l0 M ' T* j1 q& j" h8 }9 t0 w$ iYou 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.