I am with TD too. $700+ per year for basic coverage. ; q2 G) V \6 i4 [# b; Y ' W c, l9 H$ ~+ L! fYou 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.