I am with TD too. $700+ per year for basic coverage. 9 J$ P. x. @8 H0 K' K1 l 3 M1 t( T' b5 T" }; lYou 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.