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15. What coverage lengths are available for your Mexican car insurance policies?
You may buy Mexican insurance coverage for any amount of time imaginable up to one year through Mexican Insurance Store. The prices of most policies are calculated based on a daily rate; 6-month rate, or annual rate and it's usually more less expensive to buy daily rated policies if you plan on being in the country for less than 21 days. If you plan on being in Mexico for more than twenty days, you should consider buying a six-month Mexico insurance policy. It's still an affordable choice and it gives you a lot of wiggle room.
The specific price of the coverage period that you purchase will vary depending on various factors. For best results, you should get a quote from Mexican Insurance Store. To give you an idea about how affordable these Mexican car insurance policies are, though, yearly Mexico liability insurance policies start at just $141.
Policies are available from 1 day to 365 days a year. The cost of a policy depends on how long you want to insure your vehicle and the value of your vehicle. Most policies are calculated based on a daily rate. After 20-25 days it is usually less expensive to purchase a 6 month or annual plan.
The Department of State further warns U.S. travelers that they can be prevented from leaving the country even if "life-saving medical care" is required.
Medical Assistance Services Mexico's national health-care system is free to its citizens. However, as a visitor, you are not entitled to this service. As a tourist, you can only receive medical treatment and medications from private clinics and hospitals.
Therefore, you should check with your medical insurance company to confirm that your policy will cover air and land evacuation home as well as other medical expenses.
In the United States and in Canada we worry about the exposures of Bodily Injury, Property Damage and Theft in that order. In Mexico we worry about Theft, Property Damage, and then Bodily Injury in that order. Consequently, Physical Damage to your Vehicle and Theft coverage generates a good portion of each policies premium. Just remember that all Mexican Insurance Companies can legally assess a penalty if you under value you vehicle and get intom an accident. Say you insure your vehicle for 60% of its value, because thats what you owe. All Mexico insurance companies can give you a 40% penalty on any loss.