I am with TD too. $700+ per year for basic coverage. . y. h, Z1 z) F1 p" d 0 N# O- _- f( S8 B# I3 Q9 Z. UYou 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.