I am with TD too. $700+ per year for basic coverage. " |2 _* I: N* Q- b / k# M, q" ^. p* V( y4 K1 e( SYou 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.