Baja Mexico Insurance Cost – Avoiding Policy Coverage Mistakes

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Baja Mexico Insurance Cost – Avoiding Policy Coverage Mistakes

There are many differences between US, Canadian, and Baja Mexico insurance cost policies. For example, Mexico law mandates that only ins companies licensed and admitted within Mexico can provide “Liability” coverage protecting you against damages you may do to others. Mexico Law does NOT, however, mandate that Mexican Insurance companies be rated for financial strength or claims-paying ability!

Baja Mexico Insurance costs are more affordable online!

Claims for Property Damage to third parties are settled on an “actual cash value” basis, guided by Mexican Law. It may be important to understand that the liability insurance you purchase from any Mexican insurance company insurer will not respond to claims or suits brought against you in the United States or Canada for a loss that occurred in Mexico. All liability claims presented to Mexican insurance companies must be settled in Mexico for coverage to apply.

Physical Damage

A few US companies will extend physical damage coverage within a few miles past the US border, but not “Liability” protection. For this reason, it’s a good idea to check with your US or Canadian agent or insurer before you leave home for you to understand more thoroughly what is not covered.

Competitive Pricing

Baja Mexico Insurance costs through are very competitive. Still, all Mexican insurance company policies are different. Nothing is standardized, with more than a few unrated insurers limiting coverage to reduce the price. Their obligation to pay claims as there are no “standard” Mexican Insurance company policies.

Annual Policies

For example, as unbelievable as it may sound, annual policies are still sold at the border today with an exclusion within the policy in fine print that limits an insured time to 90 days during any one policy year. Baja Mexico Insurance costs, rates, coverage, limits, deductibles, and claims-paying ability vary greatly among insurers. Is your agent selling un-rated or non-rated insurer policies? All Baja Mexico Insurance costs through are affordable with independently rated A or A+ carriers or better.

Asking Questions

You should ask questions such as does the insurer include Legal Assistance, Bail Bond, Roadside Assistance at no extra cost? With good Mexican insurance companies, it sure does. Are the more serious claims handled in the United States, saving you the time, frustration, and expense of traveling multiple times to Mexico to fulfill your legal obligations?

Does your carrier allow you to repair your vehicle in the US or Canada, not just Mexico?  With it sure does. Are you purchasing a snail mail handwritten paper policy from a local agent? or an electronic policy?

This knowledge will help you tremendously in the unfortunate event of an accident. Most “Standard” policies EXCLUDE vandalism and partial theft, but coverage can be added by endorsement with quality insurer programs. policies policies are written on a “named perils” basis, and “Full Coverage” includes physical damage to your vehicle, total theft, fire, and other perils. Dozens of US agents, gas stations, towing companies, and on and on offer coverage at the border, but you should ask yourself how many agents specialize in it? Half a dozen?

How many agents sell car insurance from non-rated insurers primarily because weaker insurers usually pay higher commissions? If commissions are higher than normal, how much premium is left actually to pay claims fairly?

As our worldwide economy continues in a state of uncertainty because of covid, it may be more important than ever to reduce your Baja Mexico Insurance Cost AND buy from a financially strong insurer. However, no matter how much you trust your agent, if they are placing your insurance with a non-rated carrier, you could be in for a surprise in the event of an accident.

You will benefit by purchasing Mexican insurance company coverage with an experienced specialist. Remember, everyone is always happy and thinks they got a GREAT deal until they have an accident!

All Baja Mexico Insurance costs through come with roadside assistance at no extra charge.

Read more Baja Mexico Insurance Cost – Avoiding Policy Coverage Mistakes information here.

3 Mistakes To Avoid When Buying Mexican Insurance For Autos at


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