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16. Why it's NOT a good idea to buy a policy in Mexico?
Many times, visitors to Mexico wait until they are at the border to buy their Mexican auto insurance policies. What they don't realize is that they're not only going to pay more for the privilege, but that they're usually getting a whole lot less. The truth is, there's no way of knowing just what you're getting when you buy your insurance from a shack at the border.
Even if you stumble upon a relatively honest insurance provider at the U.S.-Mexico border, you still have to beware of the fine print and un-rated policies. All too often, the Mexico insurance policies that are sold along the border include a lot of exceptions and other things that make them less than optimal choices. For instance, some so-called "annual" policies include fine print that renders them invalid if you stay in Mexico for more than 90 days. When you buy an annual Mexican insurance policy from Mexican Insurance Store, you never have to worry about that sort of thing.
Furthermore, there's no way of knowing who you're dealing with when you buy car insurance for Mexico at the border. You can't compare providers or check to see what their ratings are with Standard & Poor's and A.M. Best. By purchasing online with us, you can guarantee that you're buying topnotch coverage that will protect you with financially solid protection.
Many people plan their vacation, then forget all about auto insurance until they cross the border... then they proceed to buy coverage at the nearest booth. This is the equivalent of buying your groceries at 7-11: no matter how well you shop, you're going to pay too much, and your options will be limited, too. You don't even have the option of researching those insurers that vend at the border. Is it unrated bar bones coverage? It's just smarter to buy it online before you leave.
It is important that you purchase a Mexican Car Insurance Policy for all US or Canada plated vehicles prior to entering the country, because you will have a better understanding about what you are purchasing and just as importantly, you can see what you are NOT getting!
For example, some Mexico Auto Insurance insurers at the border sell annual Mexican Insurance policies. What they may not tell you is that some policies have provisions which state that if you are in Mexico for more than 90 days within any annual period, the policy is void.
Buying best quality car insurance online is the quickest, most reliable, and least expensive method.
To avoid complications you should ask yourself;
If I drive up to a vendor with a nice vehicle, they know Iím a captive buyer. Will the salesman increase the cost or adjust the fee based on what they think I can afford to pay?
Do I have the proper coverage for my specific vehicle?
The point is, auto claims are handled very differently from the way they are handled in the US or Canada. Guilt and remedy must be established to the authoritie's satisfaction before the driver is allowed to leave.
United States and Canada auto liability insurance policies are not honored in Mexico. The importance of your insurer to confirm valid auto insurance coverage in a quick manner is fundmental, because the Mexican police will hold you and possibly confiscate your vehicle until you provide evidence that you can pay for any damages they say you have caused to someone else.
Electronically generated Mexico car insurance policies are made available to insurance company claims personnel 24 hours a day and can be downloaded into their verification systems in minutes. This allows for quicker response & verification time while you are on vacation. Can't I just buy Mexican Car Insurance at the Border?