Save Money by Switching to PLPD Insurance (2024)
PLPD refers to public liability and property damage auto insurance coverages. You can save an average of $480 annually by dropping comprehensive and collision coverage. Read our guide to learn how to save money by switching to PLPD insurance and what PLPD auto insurance covers.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- PLPD refers to public liability and property damage
- Liability coverage pays for damages you cause to others
- Compare insurance quotes for various coverages to see what you’ll pay
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 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 it costs. 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 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.
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Why Switching to PLPD-Only May Make Sense
If you put aside the difference between what you pay for full coverage and what you would pay for PLPD, 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.
More About Cheap Coverage With PLPD
When you’re evaluating auto 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.
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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.
Frequently Asked Questions
What is PLPD insurance?
PLPD stands for “Personal Liability and Property Damage” insurance. It is a type of auto insurance that provides coverage for liability claims and property damage caused by the policyholder. PLPD insurance does not cover damage to the policyholder’s own vehicle.
How does switching to PLPD insurance help save money?
Switching to PLPD insurance can help save money because it provides only the basic coverage required by law. Since PLPD insurance does not cover damage to your own vehicle, the premiums for this type of insurance are typically lower than those for comprehensive or collision coverage. By opting for PLPD insurance, you can reduce your insurance costs while still meeting the legal requirements for auto insurance.
What does PLPD insurance cover?
PLPD insurance primarily covers two areas: personal liability and property damage. Personal liability coverage pays for the medical expenses and other costs associated with injuries to other people if you are found at fault in an accident. Property damage coverage pays for the repair or replacement of other people’s property that has been damaged by your vehicle.
What does PLPD insurance not cover?
PLPD insurance does not provide coverage for damage to your own vehicle. It also does not cover medical expenses or other costs related to your own injuries in an accident. Additionally, it does not cover theft, vandalism, or any other non-collision-related damages to your vehicle.
Is PLPD insurance suitable for everyone?
PLPD insurance is not suitable for everyone, as it provides minimal coverage. It is generally recommended for older vehicles with a lower market value, where the cost of repairs or replacement is relatively low. If you have a new or expensive vehicle, or if you have significant assets to protect, it may be wise to consider more comprehensive insurance options.
Are there any legal requirements for PLPD insurance?
The legal requirements for auto insurance vary by jurisdiction. However, in many places, PLPD insurance meets the minimum requirements for liability coverage. It’s important to check the specific laws and regulations in your area to ensure that you comply with the necessary insurance requirements.
Can I add additional coverage to my PLPD insurance policy?
Yes, it is possible to add additional coverage to your PLPD insurance policy. If you want coverage for damages to your own vehicle, you can consider adding collision and comprehensive coverage. However, keep in mind that adding these coverages will increase your premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.