I am with TD too. $700+ per year for basic coverage. 6 \4 ?/ l* f7 @: p; x" `6 F - S" T5 A- h9 h( I* N' X( mYou 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.