I am with TD too. $700+ per year for basic coverage. - F+ o; i4 L1 F$ U8 u + a: [4 L* T: u3 \ D/ O0 d6 kYou 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.