I am with TD too. $700+ per year for basic coverage. - i+ K6 u; ^' m7 b4 w/ G ! c; I7 ?& S# G( v$ ^You 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.