I am with TD too. $700+ per year for basic coverage. 5 Z: }/ l. C5 Y& \7 W 9 |* N% Y1 U1 X( r# a& [5 TYou 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.