I am with TD too. $700+ per year for basic coverage. $ M( u4 ?* N+ V 4 T3 J3 O2 H( f9 X1 O/ AYou 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.