Cheap PLPD Auto Insurance – If you live in Michigan, you should be familiar with cheap PLPD auto insurance. Well, it sounds strange to hear this term. To begin, let’s get acquainted with this term. What is PLPD actually? PLPD stands for Personal Liability and Property Damage insurance. Since PLPD has been broken down, you now understand the basic term.
From the acronym, we know that there are two categories of PLPD. First is PL or Personal Liability Insurance. It covers the bodily injury of another party if you cause an accident. Second is PD or Property Damage.
It covers the damage you cause to personal property or another car or other vehicles in a car accident. From here, you already know the basics. It can be concluded that PLPD is the basic component of nay auto insurance policy.
However, we cannot just see it as what it is explained here. PLPD definitions, terms and also conditions including the requirements especially are different from state to state. In this article, we are going to specifically focus on cheap PLPD auto insurance in Michigan.
Why Should Consider PLPD Car Insurance ?
The best reason why someone has to take into account purchasing PLPD is that there is no use spending a lot of money for car insurance where you do not use your car very often or regularly. Compared to standard and full coverage, PLPD becomes a lot cheaper.
Besides, if you have an old car, you had better choose PLPD rather than full or standard coverage. It becomes a good choice, too, if you use your car on temporary basis. PLPD will be recommended for those who only need minimum coverage of auto insurance.
One thing you should be clear is that PLPD is not PLDL. Both of them are completely different. PLDL stands for Public Liability ad Property Damage coverage. PLDL is commonly purchased by businesses offering public services such as contractors and electricians.
What PLPD Covers and Does Not Cover ?
Cheap PLPD auto insurance has covered several things. First, it will cover bodily injury for another party that is involved in a car accident where you are at fault. Secondly, PLPD covers the damage to another party’s property in a car accident where you are at fault, and last, PLPD protects you against the lawsuits.
On the other hand, PLPD does not cover your injury and medical expense for a car accident where you are at fault since it covers another party.
Besides, PLPD does not cover collision damage and vehicle damage outside from a car accident such as animal collisions, theft, fire and more. Nor, PLPD covers the damage property where you are at fault.
How to Purchase PLPD Insurance ?
If you plan to have cheap PLPD auto insurance, you can follow these processes. First, you have to contact your insurer. Tell them that you are going to downgrade the insurance coverage and switch to PLPD auto insurance.
Find out any information related to PLPD insurance rate. You just need to give them any reasons you like, such as losing job or not being able to pay the current policy or else.
Secondly, to get cheap PLPD auto insurance, you will have to do shopping like purchasing standard auto insurance. Contact several different companies and compare them.
Get quotes from those companies and you can begin to compare the rate. This task can be done by phone, so it is easy and fast.
After you get quotes from those companies, you now can decide whether you want to stay on your current company or switch to another. You just need to know if the current company offers the best rate, you stay on them rather than switching to other.
By doing all of these steps, you can save amount of money. In the end, you can purchase cheap PLPD auto insurance.