About PLPD Car Insurance

PLPD car insurance covers your state's minimum liability requirements but gives you very little protection in the event of damage caused to your person or vehicle.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 29, 2021

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Here's what you need to know...

  • PLPD stands for public liability and property damage
  • PLPD is the most common type of basic car insurance
  • PLPD provides the state’s minimum insurance requirements

PLPD auto insurance is simply an acronym for public liability and property damage and is the most common type of basic car insurance out there.

The term PLPD car insurance is typically used in northern states in the U.S.

Don’t let the acronyms confuse you. Continue reading below for the detailed definition of PLPD auto insurance.

Compare PLPD car insurance quotes by entering your zip code in now!

The Need For PLPD Insurance

Essentially everyone who owns a car needs PLPD insurance.

Every state has its own guidelines for mandatory car insurance coverage.

Even in the case of states requiring proof of financial responsibility instead of mandatory insurance, most people will still need car insurance as their way to prove financial responsibility.

If you operate a vehicle on the roads in this country, it is essential that you can cover costs of any personal injury sustained by others at your hands.

You must also be able to provide restitution in the case of property damage which is where PLPD coverage comes into play.

Most people do not have hundreds of thousands of dollars sitting around waiting, just in case they were involved in an accident. PLPD car insurance takes away the risk involved in driving.

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What PLPD Car Insurance Does Not Cover

Drivers need to be aware of the fact that PLPD is not the only type of car insurance that they need.

Personal injury protection (PIP) coverage should also be carried because PLPD does not cover medical expenses for the driver of the car when he is hurt in an at-fault accident.

In addition, the PLPD will only cover property damage for the other party in the case of an accident. Damage to the policyholder’s vehicle or other property is not covered.

If this type of coverage is desired, collision coverage should also be purchased.

PLPD insurance only pays for bodily injury and property damage expenses to the limit of the policy.

When you buy car insurance, recommendations are made as to how much coverage you should carry to adequately protect you in the case of an accident.

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Saving Money On PLPD Car Insurance

Many drivers look for ways to save money on their PLPD auto insurance. Unfortunately, many of them choose to carry the minimum amounts of coverage as a way of keeping costs low.

Though tempting, this is not the ideal way to save on your car insurance.

The most effective way to save on car insurance is to shop around.

Every company out there has slightly different guidelines, as set by their underwriters. While insurers look at the same factors, the information is weighted differently and therefore, rates can be different from one company to another.

Simply shopping around and getting as many quotes as possible from different insurers is the ultimate solution for those looking to save money on PLPD car insurance.

Some other tips for saving on your coverage include the following:

  • Ask if you qualify for discounts on your car insurance.
  • Ask if you save money by paying for the policy in full, up front.
  • Find out if you will get a break on the price by bundling policies.
  • Drive carefully and defensively.

Finding Cheap PLPD Car Insurance Quotes

PLPD auto insurance is something that every car owner simply needs to carry. However, you do have options to help keep the cost as low as possible.

When you are ready to get the absolute best deal on your PLPD coverage, start by using our online car insurance quote comparison tool.

Our free and easy-to-use services allow you to get several car insurance quotes from insurers in your area.

By comparing them carefully and doing some research on the companies that offer the best prices, you can be confident that you are indeed finding the best provider for your PLPD coverage.

Get started now with our online car insurance quote tool to maximize your savings!

References:

  1. https://www.investopedia.com/terms/l/liability.asp
  2. https://www.investopedia.com/articles/personal-finance/122915/how-much-coverage-do-i-need-for-car-insurance/
    .asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186
  3. https://www.naic.org/state_web_map.htm
  4. https://en.wikipedia.org/wiki/Personal_injury_protection
  5. https://www.iii.org/article/how-can-i-save-money-auto-insurance

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