Save Money by Switching to PLPD Insurance (2025)

Unless you’re one of those people who buy brand new cars with cash, you may be better off switching to public liability and property damage, or PLPD insurance as soon as you can. PLPD car insurance can save you money, as it’s a type of auto insurance that pays for damage you cause to others.

While we usually recommend carrying full coverage auto insurance, there are some cases where it might make sense to only carry liability coverage. For example, if you drive an older vehicle, it may make sense to drop your other coverage options and only cover public liability and property damage insurance.

Read More: Best Property Damage Liability Auto Insurance Companies

Below, we’ll explain more about what PLPD auto insurance covers and how much PLPD is. So, let’s find out what PLPD coverage is.

To shop around for the cheapest liability-only auto insurance quotes, enter your ZIP code into our free quote comparison tool above to get started now.

Understanding the Meaning of PLPD Insurance and How it Helps You Save

If your main goal is to find cheap auto insurance, then carrying only liability is the way to go. It also won’t do you any good to be loyal to a specific insurance company if you’re looking to save as much as possible on your insurance policy.

This coverage only applies if the other driver sustains an injury in the accident. It also includes property damage coverage for that other driver as well.

You must understand that this won’t cover damage to you or property damage to your vehicle. PLPD coverage meets state minimum auto insurance requirements to cover other drivers.

Why Switching to PLPD-Only May Make Sense

If you put aside the difference between PLPD vs. full coverage costs, you may end up ahead. Of course, this assumes that you won’t total your car or sustain an injury in an accident.

You must decide if cheap auto insurance or more comprehensive coverage is your priority.

While you do need to consider the possibility that you would need to replace your car if you have PLPD insurance and total it, you should also consider the fact that the numbers are in your favor on this one.

Chances are, you can save enough to buy a car, or at least put a hefty down payment on one before you get into an accident. It is important to carefully consider the cost of replacing your car before you dive in. You may also have an accident and then be responsible for an unexpected medical expense because this type of insurance won’t include any personal injury protection.

Why You May Want to Maintain Full Coverage Auto Insurance

Of course, there are plenty of valid reasons to continue with full coverage:

• If you live in an area where auto theft is common, it’s not a bad idea to keep your car insured against theft.
• If you’re prone to accidents, you might not want to be without full coverage.
• If you have a lien on your vehicle your lender will require collision and comprehensive insurance. In this case, carrying property damage insurance only is not an option.
• If you can afford full coverage it may make sense to have things like uninsured motorist and gap insurance.

Barring that, though, the amount of money you save by switching to PLPD is enough that it’s silly for most people to continue full coverage on a vehicle that is five years old or older because repair and replacement won’t cost as much as they think it will.

Finding Cheap PLPD Insurance Rates

When you’re evaluating PLPD car insurance quotes, run the numbers both ways and see for yourself. It’s up to you to compare types of coverage and determine what kind of auto insurance coverage you may need.

Imagine all that extra money back in your hands or, better yet, drawing interest in a savings account. We think you’ll agree that if your car is paid off, it’s silly to pay more for insurance.

To begin looking for cheap PLPD insurance, enter your ZIP code below to begin comparing free online auto insurance quotes now.