nope, its actually very cheap for plpd..I have full coverage on my gp because it's financed n that rapes me. But with adding another car to my policy it helps my gp premium and to add this or a gtp with plpd it's only 300-400 more for 6 months. Already checked out all that. The only thing that scares me is the saab body parts are pretty scarce or expensive, so obviously pray to never get in a fender bender. Also, main tench is a little higher and prices get up there for parts, but I can usually figure out how to fix whatever from some forum how to's.