I am with TD too. $700+ per year for basic coverage. ) \8 k, c) q- m# U' \ ; R7 l8 d Y- R$ X" b. i4 rYou 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.