I am with TD too. $700+ per year for basic coverage. , |! G4 e% J7 C1 k 1 E2 R: _; y- q! Q/ e# p4 rYou 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.