I am with TD too. $700+ per year for basic coverage. / \& O' Q& r9 K8 R; ~1 y5 L+ H % m, b2 X+ E+ OYou 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.