Mexican Insurance Store

Travel Mexico – Sonora

February 3, 2021

Many people drive through Mexico annually. Sadly for most, Sonora is often considered a pass-through state on the way to their final destination. Sitting directly below Arizona, Sonora is Mexico’s second-biggest state after Chihuahua. For those looking to do more than pass through Sonora, the rewards are fantastic.

Most Mexicans think of Sonora as nothing but a desert. The same is true for Americans with Arizona. It’s easy to think this because the Sonoran Desert covers about half of the state. Just like in Arizona, half of Sonora is in high elevation. It’s not unusual for the eastern parts of Sonora to see snow in the winter months.

Unlike Arizona, Sonora features over 500 miles of coastline on the Sea of Cortez. Beach towns including Rocky Point (Puerto Peñasco), San Carlos, and Bahia de Kino are very popular with Mexicans and Americans, alike.

Nogales, south of Tucson, is Mexico’s biggest entry point into Sonora. Sonoyta, Agua Prieta, Sasabe, Naco, and San Luis make up the other entry points.

Nogales

Unlike Tijuana and other major entry points, Nogales is a delightful city with lots of charm and flavor. Nogales doesn’t feel like a typical border town. Upon entry into Nogales from the downtown crossing, one’s senses are filled with the vibrant sights, smells, and sounds of Mexico.

If you’re stopping in Nogales, there are some excellent dining options to set you in the right mood. Sonora is well known for some of the best steaks and seafood in Mexico. Nogales is your first opportunity to experience this.

For Dining, some favorites among prosperous locals include El Marcos Restaurant and Mariscos Los Arbolitos. Both are across the street from the mall.

If you’re looking to stay the night, four great choices await. In the north, by the border, Hotel Fray Marcos de Niza is a great stay. Fairfield Inn & Suites by Marriott is adjacent to the Mall in the center of town. To the south, City Express and Hotel Plaza next door are comfortable stays.

Girls enjoying Rocky Point - MexicanInsuranceStore.com — Visitors from Phoenix enjoying a weekend in Rocky Point

Rocky Point (Puerto Peñasco)

For those who live in Phoenix or Tucson, Rocky Point is the closest beach. Filled with miles of soft sand, calm warm seas, and hotels for every budget, Rocky Point is a sure winner.

Ordinarily, it would be appropriate to call it by its Spanish name, but this time, it’s really Rocky Point. Since 1826, the section was written in red, ‘Rocky Point’ on sea maps. In the late 1930s, the town was renamed Puerto Peñasco. Still, many Mexicans and nearly all visiting Americans call it Rocky Point.

Pro Tip: When traveling through Sonora, make sure to buy and carry extra water. staying hydrated is very important in the desert.

Rocky Point still serves local fishermen, but tourism dominates the economy. Great hotels, dining, and activities all await you in Rocky Point. A favorite among wealthier Mexican travelers is Playa Bonita just west of the main town.

At the top of el Cerro de la Campana - MexicanInsuranceStore.com — American Motorcyclists at the top of El Cerro de la Campaña overlooking Hermosillo.

Hermosillo

Hermosillo should not be missed when you drive through Mexico. Since Hermosillo is the capital of Sonora, it’s a prosperous city. Enjoy exquisite dining, shopping, and hotels throughout the city. Near the center of town, the tall peak with all the TV and radio towers is El Cerro de la Campaña. Take a drive up the cobblestone roadway to the top for a bird’s eye view of this remarkable city. Sunsets from here are also incredible.

Hermosillo has Sonora’s only Starbucks Coffee for those that need their addiction filled. Yes, you can get your “nonfat, iced skinny mocha with light ice, whipped cream, and chocolate drizzle” in Hermosillo. Sadly, prices equal and sometimes exceed what they are in the USA.

Dining in Sonora is a treat. If you’re looking for a fast authentic meal, there are several Taqueria ‘El Chino’ locations to serve you. These are an institution in Hermosillo and a local’s favorite. If seafood is your calling, Mariscos Las Palmas serves up fresh seafood in an upscale setting. For fine dining, Palominos and Sonora Steak must be on the top of your list.

Pro Tip: Please remember to slow way down in Hermosillo. Cops in the city like a peaceful town and are pretty strict with traffic enforcement.

Tetakawi overlooking San Carlos - MexicanInsuranceStore.com — Tetakawi overlooking San Carlos

Guaymas – San Carlos

The cities of Guaymas and San Carlos are separate cities right next to each other. Guaymas is a nice Mexican port city. San Carlos is a resort-friendly town with the best beaches and beachfront hotels. San Carlos’ most notable feature besides the sea is the magnificent Tetakawi mountain. The peak looks like a scorpion ready to strike.

Shopping and urban city amenities are widely available in Guaymas. Guaymas also features one of Sonora’s best steakhouses, El Oeste at the Armida Hotel.

El Oeste Steakhouse in Guaymas, Sonora - Mexican Insurance Store — Available ‘cortes’ or cuts on offer at El Oeste Steakhouse at the Hotel Armida in Guaymas, Sonora

San Carlos features Tortuga’s Restaurant near the Marina. Owned by a French Expat, this restaurant is a favorite among prosperous locals for the world-class dining and atmosphere.

Regardless of which town you stay in, you’re bound to have an excellent experience.

Be legal when you drive through Mexico. If you haven’t gotten your Temporary Vehicle Import Permit (TVIP), Empalme is your last chance. South of Empalme, you must have a TVIP to drive your non-Mexico plated vehicle in the country. Look for ‘Only Sonora’ on Google Maps,

Alamos

Leaving Guaymas – San Carlos, you’ll next come to Ciudad Obregon. Because Obregon is an industrial town it takes a while to get through. It’s best circumvented with the new bypass road.

Continuing south Navajoa comes next. Navajoa is a decent place to stay, but if you can, head east to the historic town of Alamos. Alamos is one of Mexico’s 111 Pueblos Magicos and well worth a visit.

Once in the town center, it’s immediately apparent where this town gets its charm. Walk the plaza and enjoy the many restaurants, shops, and street vendors of this town dating back to 1685.

The Hotel Álamos Bonito Resort Centro Historico is a wonderful place to dine or stay. Make sure to walk around and enjoy this historic town.

The next big town south is Los Mochis located just south of the state line in Sinaloa.

There are many other towns and pueblos worth visiting in Sonora. Bahia de Kino is Hermosillo’s beach due west of the city. Enjoy the oldest part of Sonora along the Rio Sonora. The trail offers breathtaking scenery including the former capital of Sonora, Arizpe. Banamichi is also notable. Banamichi features the wonderful Hotel Los Arcos de Sonora. To get there, veer east at Imuris toward Cananea and then south. Eventually, you’ll come back to Hermosillo.

When you drive through Mexico, don’t make it a bombing run. Take an extra day or two to discover the many unpretentious riches one can experience in Sonora.

The best part about Sonora is that it’s just an hour south of Tucson and yet, a world apart.

Driving Documents You Will Need

A+ RATED Mexican Insurance Store.com, the favorite local store in California’s 3rd most populous metropolitan area, is the #1 provider of Mexican auto insurance for Rocky Point in this area.

CLASIFICACIÓN A+ Mexican Insurance Store.com, la tienda local favorita en la tercera área metropolitana más poblada de California, es el proveedor número 1 de seguros de automóviles mexicanos para Rocky Point en esta área.

-Get covered in minutes with no paperwork required.

-Print your policy right away.

-Fully licensed and bonded, with the ability to serve all US and Canadian customers.

– Annual premiums start at $120.

-With confidence, drive across Mexico knowing you’re adequately insured.

2022 Travel in Mexico

January 4, 2021

Is 2022 the best year to travel to Mexico? Find out below.

For most people who often travel, 2020 was an understandably tricky year. In the opening of 2021, Europe, Asia, Oceania, and Africa remain primarily closed to travel. However, Mexico has its act together and warmly welcomes responsible visitors.

What does this mean?

Many parts of Mexico are open for business. Now is the best time to make travel plans to Mexico. Mexico, like the USA, created health guidelines on a state-by-state basis. Unlike many parts of the USA, Mexico’s health guidelines and policies are sensible, responsible, and present a logical means to prevent the spread of COVID-19.

While most risky activities are curtailed, there’s still much beauty, fun, food, sun, and culture to enjoy in Mexico.

Great deals and no crowds make it an excellent time to visit right now!

Stay safe in 2022 while you travel in Mexico.

For many, this is common sense and decency, yet some still don’t get it. Remember, you are a visitor to their country. It doesn’t matter what you believe, think, or support. Please be a good traveler and follow their established safety protocol. Simply put, Wear a face mask, wash your hands, use the hand sanitizer offered, and keep a safe distance from others. Most importantly, don’t be an a**.

Best Mexican Destinations for 2022

Since many places in Mexico are ready and able to handle visitors safely, we highlight some of the best. Therefore, this is not an exhaustive list but rather a highlight of fantastic key destinations ready and open for your visit.

Ensenada, Baja California

About an hour’s drive south of San Diego, California, is Ensenada. Between its wine region to the north and excellent restaurants in and around the City, Ensenada is a phenomenal weekend destination.

Ensenada has a wonderfully walkable downtown with many fun places to explore. Downtown is fabulous, whether the legendary Hussong’s Cantina or delicious fish tacos at the fish market. A few minutes north, you’ll find exquisite dining at one of the many world-class wineries.

Where to stay in Ensenada. Most regular visitors have their favorite destinations. However, consider the new Holiday Inn Express in Downtown Ensenada if you’re looking for something nice. It’s pretty luxurious, affordable, and puts you in the heart of all the action.

Wondering where to eat in Ensenada?

If you’re hungry and love meat, there’s no better place than Pampa’s Brazilian Churrascaria. It’s a few minutes walking south of Downtown.

Ensenada also boasts some phenomenal breweries that rival much of what we find in the USA. AguaMala is a local’s secret that serves up some incredible beers and outstanding appetizers to go with it.

Los Cabos/La Paz, Baja California Sur

Los Cabos (Cabo San Lucas) and La Paz are about 90 minutes apart. They are both easily reached with a 2 ½ hour flight from many US destinations into Los Cabos. Phoenix and Los Angeles are easy non-stop hubs.

If sportfishing and resort weekends are your idea of relaxing vacations, Cabo is your destination. While quite ‘gringofied’ in both price and amenities, right now is a time for steep bargains in hotel accommodations.

La Paz offers a more laid-back and authentic Mexican destination with phenomenal food, beaches, and unique activities, including swimming with whale sharks.

Because of the current situation, there are beautiful deals up for grabs in Los Cabos. The resorts are offering deep discounts on their stays. La Paz is less dependant on tourism. Therefore, La Paz provides a more authentic destination for spending time in this beautiful country.

ME Cabo is a wonderful destination for those traveling without kids. However, if the whole family is coming, one of the best values in luxury is Tesoro Los Cabos.

You’ll find Downtown Cabo riddled with dining opportunities. So enjoy a walk and decide on what suits your palate.

La Paz, BCS

You have many options. In Downtown, One La Paz is an excellent value and location. On the beach, Hyatt Place is a perfect place to stay. Both offer huge discounts and provide top-notch amenities and comfort.

Dining in La Paz is a foodie’s treat. Go Downtown, and you’ll find your tastebuds dancing with lively and delicious flavors from every corner of the world.

Most people fly into Los Cabos, but it’s an enjoyable and safe road trip driving down from California. Make 2022 the year of travel adventure and drive to your favorite destination in Mexico. Since travel takes longer than in the US, plan 3-4 days from Tijuana, depending on your pace. Make sure to stop and experience the Gray whales in Guerrero Negro while you’re at it.

Puerto Vallarta, Jalisco

Puerto Vallarta is Mexico’s Pacific Crown Jewel. Your 2021 Mexico travel plans should include this incredible destination. The City features something to satisfy nearly every taste. First, there are the high-end resorts on the north end of the City. Then, cross the river to the south, and you’re in old-town Vallarta. Both are drastically different yet equally delightful.

Naturally, now is a sweet time to visit Vallarta. The City was spared the worst of the health crisis and was the first to set up common-sense standards to keep guests and locals safe.

Like Los Cabos, most people fly into Puerto Vallarta. If you’re a bit adventurous and don’t mind spending a few extra days in Mexico, consider driving down from Tucson. It’s about three days south of Tucson and enjoyable. In addition, you’re only 90 minutes from Tequila, Jalisco, and about three hours from Guadalajara.

Vallarta has the most impressive Malecón (mal-eh-CONE) or boardwalk in all of Mexico. It teems with local artists, sand sculptors, whimsical statues, and phenomenal restaurants and night entertainment. Find live music at every turn, along with miles of exquisite beaches.

One of Puerto Vallarta’s best secrets for accommodations is Hacienda Alemana in the old section of town. This lovely boutique hotel is perfect for couples and those looking for a Euro/Mexican hybrid experience.

Riviera Maya (Cancun), Quintana Roo

Mexico’s so-called Riviera Maya is one of the best ways to experience the Caribbean Sea with the warmth and familiarity of Mexico. From Cancun to Tulum, this whole strip of Mexico is one unique resort after another. It’s hard to go wrong when choosing a place to stay. Even now, many Americans are booking extended stays to ‘work’ from Cancun. Often these stays are for a month or more. It sure beats the nonsense and weather back home.

Many beautiful resorts offer deep discounts all up and down the coast. There’s something for everyone on offer. Travel as a couple, family, or solo. Since the start of 2020, there’s never been a better time to score a great deal in this beautiful region.

What to do in the Riveria Maya

As for activities, there are nearly as many to enjoy as there are resorts. Some favorites include Rio Secreto, a vast underground river with many stalactites and stalagmites to ponder. Another fun all-day venture is Xel-Ha (Shell-HA). Because Xel-Ha is a naturally formed water park, it’s much more authentic. There, guests enjoy cliff diving, snorkeling, tubing, and crystal blue waters of the Caribbean. If fine dining is on your list, one must go to ALUX. (uh-LOOSH) It’s an excellent restaurant set in a naturally formed cave over 10,000 years old.

Of course, explore cenotes (sey-NO-tays). Mayan ruins such as Chichen Itza and Coba are also a ‘Must-See!’ Don’t forget the only Mayan seaside ruin, Tulum.

Airlines also offer great prices because getting to Cancun or the Riviera Maya is typically done by flying into Cancun. Many Americans are discovering the joy of driving down over four days from Texas. It’s best to take the inland route through Monterrey. Stay inland to past Veracruz. Then head to Puebla, Merida, and Cancun.

Since the Riviera Maya is a resort destination, there are some fantastic places to stay and enjoy. Many of the region’s best destinations are between Playa del Carmen and Tulum. Find a property that matches your interests. Whether it’s family-friendly, adults-only, or even clothing-optional, it’s nearly impossible to go wrong in this region of the world.

Summary

Enjoy great and rewarding international travel. Mexico remains open for business to responsible and cooperative travelers who adhere to health and social safety protocols. So pack some extra patience and prepare to be rewarded with destinations guaranteed to leave a remarkable lasting impression.

Driving To Mexico?

In the state’s 3rd most populous metropolitan area, California’s Mexican Insurance Store is a top-rated provider of the best Mexico insurance coverage available. In this region, Mexican Insurance Store is the number one source of car insurance for Mexico coverage.

En la tercera área metropolitana más poblada del estado, Mexican Insurance Store de California es un proveedor de primer nivel de la mejor cobertura de seguros disponible en México. En esta región, Mexican Insurance Store es la fuente número uno de cobertura de seguros de automóviles para México.

You can be covered in minutes with no paperwork required. You will be able to print your policy right away. The company is fully licensed and bonded, so it can serve customers in the United States and Canada. Annual premiums start at $120. So if you’re driving in Mexico, you will know that you’re adequately insured.

Travel Mexico – Baja California (North)

December 5, 2020

1 of 32 in a Series

Baja California (North) is one of the easiest and most rewarding Mexican states to visit. Consider it a ‘Win!’ for nearly any type of traveler. San Diego is the primary gateway to this wonderful part of the world. With all of Baja’s incredible destinations, you can enjoy an international getaway without ever boarding a plane. If you like it, why not staying to live here with the many cheap homes for sale near me now.

Baja California boasts some of the best features of Mexico without being pretentious or overrun with holidaymakers. Travel Mexico – Visit Baja California – Mexican Insurance Store

On the beach in Mexico - MexicanInsuranceStore.com — hanging out at the beach

Beaches

If you’re looking for a weekend beach destination, look no further than Rosarito, Ensenada, or San Felipe. For example, Ensenada offers you the same weather and ocean as San Diego at a fraction of the price. In addition, San Felipe, located on the Sea of Cortez, delivers a warm and laid-back seaside. San Felipe is much more relaxed and offers a welcome escape to those who wish for tranquility. One should also consider Bahia de Los Angeles. It’s an excellent destination for many reasons, including fishing, tranquility, and exploration. It’s worthwhile, but it’s much further south.

Medical

It’s no secret many people travel to Mexico for medical tourism. Popular procedures are dental work and cosmetic enhancement. Mexican doctors are often US-trained, offer top-quality services, and operate at a fraction of the cost of similar doctors in the USA. For the cost of a procedure in the USA, you can have the same procedure in Baja California. The best part is that you get a vacation and still have money left over.

What about COVID?

Covid-19 – Baja California has a consistent and surprisingly comprehensive Covid-19 plan that is logical and reasonable. All of Baja is open to healthy visitors who are not experiencing Covid-19 symptoms. Would you please practice the straightforward safety protocols of safe distancing, face coverings, and sanitation? Mexican Insurance Store travel policies include Medical Payments that can be used for hospital visits in case of an accident.

Dining

Are you looking for exquisite and exotic food destinations? Look no further than Tijuana, Ensenada, and the Ruta del Vino or wine region around Valle de Guadaloupe. Master chefs from elite culinary schools feature an international cuisine to satisfy the most epicurean palate.

Ensenada is one of the best-educated and wealthiest cities in Mexico. This means that there are ample amenities to serve a growing population that appreciates them. Regardless the city does a great job of serving cruise passengers while saving its heart for those who appreciate it.

Off-Road Adventures

We get it. You’re into adventure and overland travel. Because of this, few places offer the terrain, proximity, and freedom to have fun like Baja California. The legendary Baja 1000 takes place each year across the peninsula. Nearly the whole region between San Felipe and La Paz is for off-road pleasure. Popular destinations include Lazaro Cardenas (East of Ensenada), San Felipe, El Rosario (Home of Mama Espinoza’s), and Cataviña.

Mexico vacations are easy and affordable by car. Mexican Insurance Store travel policies offer the best car insurance for Mexico coverage as well as the best value for cars, motorcycles, and RVs. Travel Mexico – Visit Baja California – Mexican Insurance Store

villas along pond - MexicanInsuranceStore.com — Villas at El Cielo Winery and Resort.

Romantic Getaway

Even with the expansive definitions of ‘Romantic’ getaways, Baja California presents unique and affordable offerings.

For instance, does an ocean-front villa fill your notion of a romantic getaway? The coastline between Tijuana and La Bufadora offers countless locations. Destinations featuring private pools, secluded beaches, and an in-house chef are awaiting your booking.

Perhaps you desire a luxurious weekend at a winery. Because of the rich soil and ideal weather, Baja California wineries continue to gain prominence globally. In addition, many local Wineries, including Encuentro and El Cielo, feature exquisite overnight experiences.

Since desires and tastes vary, the region offers a diverse range of prices and amenities at each available property. Many of these villas are found on popular sites, including Airbnb, VRBO, and Booking.com.

Safety

The corporate news media relentlessly drives to keep people afraid and angry. In other words, when people are fearful, anxious, and angry, they’re controllable. Those who profit from fear get little resistance to your complicity. It’s one of the oldest schemes in history. Create a problem and then offer your brand of a solution. Don’t believe it? Monitor your blood pressure for 15 minutes while watching any news channel. Peace and contentment are the last things these organizations want you to experience.

Now with that out of the way, Mexico, like most countries, has its problem areas. Is it fair to damn all of Canada because Vancouver has high crime rates?

One blatant example of media manipulation is the reporting of violence in Tijuana. The truth is that the Municipality of Tijuana has a high murder rate. The reality is that Municipalities in Mexico are like counties in the USA. The Tijuana Municipality is nearly 340 square miles. The city itself only occupies a fraction of that space. The municipality covers the US border to the north. It’s surrounded by Rosarito Beach, Ensenada, and Tecate to the south and east. The violence is nearly exclusively outside the city area and almost entirely among those carrying out criminal activities. But, of course, the fear mongers and hate peddlers don’t bother to point this out.

So what’s the conclusion?

In other words, Tijuana (the city) is safer for travelers than Hollywood, Downtown Los Angeles, and Santa Monica. The simple rule is to enjoy the beaches, fine dining, and perfect year-round weather without being an idiot. Avoid the temptation to do dumb things you would never do at home. Just remember, you need a Mexican Insurance Store travel policy to protect yourself financially in case of an accident.

That’s right, resist the urge to go out on night-time drives into the outskirts of the city. Don’t visit ATMs well into the night, be too curious, or try to play ‘James Bond.’ Do you do any of these daft things in your ‘safe’ community back home?

Wrongful deaths among tourists not engaged in criminal activities are practically nonexistent in this state.

In conclusion, Baja California is an exciting destination for travelers. It has a well-earned reputation for delivering value and satisfaction to visitors. Whether you seek romance, adventure, solace, or culture, it’s is a great place to visit.

Travel Mexico – Visit Baja California – Mexican Insurance Store

Do I Really Need Mexican Auto Insurance?

August 24, 2020

It’s hard to believe in 2020 that some people think you don’t need Mexican auto insurance when driving your car, motorcycle, or RV in Mexico.

Seriously, it’s an eye-roller when a proud ignoramus proclaims that you don’t need insurance and that, in all of their travels, they never had it. First off, they probably haven’t been to Mexico since 1989. Second, they tend to have loud contrarian opinions on a whole litany of topics, from UFOs to conspiracy theories. Third, 9 times out of 10, they’ve been drinking rather heavily.

Occasionally, someone on a Mex Facebook Group will post something that reads like this. “My friend’s uncle, who lives in Mexico, says Mexico car insurance is for stupid Gringos, and you really don’t need it.” Peruse through the posts long enough, and you’ll eventually see a post that looks like this. If you’re gullible enough to believe any story that begins with “My friend’s Uncle…” or something along this line, you really shouldn’t leave your home. The only stupid Gringos are the ones who think Mexico has no laws and that they are somehow immune from obeying them. These fine MENSA candidates invariably end up in jail, broke, and sometimes dead. It’s a sad but real truth. It’s not the ‘cartels’ who seemingly risk their multi-billion dollar operation to hassle a dumb tourist. Rather it’s the visitors’ own acute stupidity that led to their misfortune.

When it comes to driving in Mexico (or anywhere, for that matter), ignorance is not bliss.

Hopefully, these people aren’t the ones you listen to about anything. Especially anything about our neighbors to the South.

Here is the reality spelled out.

If you are in a car accident South of the Border, it’s not like in the USA. First, the police show up and immediately assign fault. Then, they estimate an amount for damages and detain the ‘responsible’ party until they pay the full amount.

Now, if you have (good) insurance, you call them with their local (non-toll free) number from your US Mobile phone and report a claim. First, make sure you have Whatsapp installed on your phone. Many times you won’t know your location, but the agent on the phone will have Whatsapp. You can send your exact location using the app. Next, you wait until they or the authorities arrive. If the police arrive first, tell them, “Tengo Seguro.” It means you have insurance.

From here, you will know why you were smart and bought the good coverage instead of listening to your dumb friend’s uncle. If you bought a Mexico insurance policy from Mexican Insurance Store .com. There are no bad policies or insurers offered for sale at Mexican Insurance Store.

Your Insurance representative that shows up will verify your policy with you. Try to have a copy on paper. They can also use your phone, or you can send it to their phone with Whatsapp. From here, 95% of all of your problems are taken care of. They will negotiate on your behalf and guarantee any damages assigned to you. Most importantly, you will not be detained or go to jail.

Concept of insurance man protective and car insurance policy examining

What happens if…

If you bought a cheap policy or were an imbecile and didn’t get insurance, start calling family and friends to get ready to wire money to you. La Policía will assign an amount in damages, and you need to pay up, right then and there. If you don’t have the money, cops will take you, under detainment, to a bank or Western Union to get the money. Can’t get the money they assign as your damages? You’ll get to sit in a Mexican jail until you do.

If you don’t agree with the amount, you will be seen by a traffic judge within 24 hours. They will most likely side with the cop and probably make you pay even more. This is because the damages will, no doubt, increase in the hours after the collision.

If there’s one thing you learn from all of this, it’s that:

Yes! It would be best if you had Mexican auto insurance to bring your vehicle into Mexico.
A well-backed policy from a reputable carrier will cover you completely and make sure you stay out of jail in the event of an accident.
Cheap policies are just that. They can be nearly worthless at protecting you from the unpleasant aftermath of a collision. You might be able to use them for toilet paper in the jail cell.
Nearly all policies purchased at the border kiosks appear cheap, but leave you quite vulnerable in a collision. Ultimately kiosks often cost you more, because significant fees are added to the total cost.
Your dumb friend, the loud drunk guy, or the blustering fool on the Facebook group (who probably never actually went to Mexico) is an idiot. You probably shouldn’t be listening to idiots.

Here is an info-graphic we created to help you understand the process if you are involved in a collision South of the Border.

Mexican auto insurance - Mexican Insurance Store — Infographic of a Mexico Accident Timeline – Carry Mexican Auto Insurance

The Secret To Buying the Best Mexican Insurance Policy

August 15, 2020

Is there a secret to buying a Mexican insurance policy? With so many options and vendors offering Mexican car Insurance, knowing what to get and how much coverage is necessary isn’t easy. Learn the secret from one of the nation’s largest Mexico Insurance brokers.

Secret 1 A quality Mexican insurance policy is vital. Unfortunately, there are NO standardized car insurance policies. They’re all different.

Unlike in the USA, Canada, and the EU, insurance policy limits and the ability of insurers to pay are not heavily regulated in Mexico. High-quality insurers like CHUBB, Mapfre, and HDI are outstanding and on par with any top-rated insurer in the USA. Second and third-rate insurers that are not rated or carry an AM Best rating of B or worse can leave the policyholder with Swiss cheese coverage. (i.e., TOO many holes or exclusions) In the event of an accident, many of these low-grade insurers leave you on the hook for standard repair costs. They cover meager labor rates ($15/hr or less). They train their claims staff to offer you wholesale rather than retail or private party values for your wrecked or stolen vehicle.

High-quality policies from CHUBB and Mapfre allow you to get your vehicle repaired in the USA. They also offer USD 1000 in towing, which can get you to the border from most of Mexico. The best part is that they don’t necessarily cost you more.

Finally, a high-quality Mexican insurance policy pays claims quickly and efficiently. Often, claims are settled in weeks rather than months or years.

Secret 2 Get Full Coverage Car Insurance (unless your car is old)

By now, most drivers in the USA know that ‘Liability Only’ insurance is a lousy way to go. Sure, it covers the other person. But unfortunately, you are responsible for towing, repairing, medical, and a rental replacement vehicle. You may be thinking, “Well, if it’s the other person’s fault, they’ll have to pay.” That’s incredibly naive. First, you get nothing if the other person doesn’t have insurance. Second, if the other person takes off, you get nothing. Third, if you’re found at fault, you get nothing.

The same is true in Mexico. Right or wrong, expect to be found at fault in an accident. There are exceptions. If you speak excellent Spanish and can rally witnesses or have compelling (video) evidence in your favor, there may be a chance.

Bottom line Get full coverage ifs you’re willing to walk away from any vehicle you bring into Mexico and take care of any additional liability out of your pocket.

Please understand that full-coverage insurance for tourists traveling in Mexico usually is only available to vehicles under 20 years old and needs a special exception.

Secret 3 When buying Mexico car Insurance policies, try to match your car insurance coverage home.

Many travelers try to pinch pennies when buying insurance. If nothing happens, you’re fine. When something does happen, be glad you have the good stuff. Alternatively, expect to be very upset if you went cheap.

If your policy is $100,000 at home, get at least that in Mexico. Own a more excellent car or a pricey RV? Then, buy at least $300,000 coverage.

Matching your home policy removes the guesswork on how much insurance to buy in Mexico. If it’s good enough for you at home, it’s probably good enough South of the Border.

Secret 4 When quoting car insurance for Mexican vehicles, be sure of your choices.

Buying a Mexican car insurance policy online is straightforward, but you must get the correct checkboxes, or it could render your policy null and void.

The second entry to ensure you get it right is “Actual Cash Value.” Mexico Insurance companies use “Actual Cash Value” as a basis for valuing vehicles in the event of a total loss due to collision or theft. Overvaluing your vehicle only serves to increase your premium. Use industry benchmarks like Kelley Blue Book to determine the value of your vehicle.

Everybody thinks they have a good Mexican car insurance policy until they need to use itSo don’t guess if you have proper coverage.

Secret 5 Good Mexican insurance policies eliminate 95% of all potential problems.

This is true. If you are in an accident, you must firsts call your insurance company to report a claim and get an adjuster onsite. Know the non-800 number to call the insurance carrier from your mobile phone. We recommend putting it along with your policy number as a contact entry on your phone. Also, save the policy PDF files on your phone too.

A Mexican adjuster serves as your advocate and verifies to authorities that you have Mexican car insurance. From here on out, expect ‘royal’ treatment.

If you don’t have enough coverage, no problem. La Policia will hold you in jail until you make full restitution. The police officer onsite or a traffic judge within 48 hours determines the amount of damages. The authorities will hold you in jail if you don’t have insurance or can’t make restitution in full.

HINT: You never want to be in a Mexican Jail.

Secret 6 Never buy Mexico car insurance policies at one of the border kiosks.

Those kiosks at the border are not a good value. Instead, count on overpriced, inferior quality policies. Moreover, many of them are liability only. Remember about liability-only policies.

In some cases, the policies at the border aren’t even worth the paper they’re printed on. Most of the time, the limits of coverage specified are meager, like USD 10,000 and often less.

Any liability limit less than $100,000 in most states is inadequate. $300,000 is needed in most states now due to recently increased fatality requirements.

Secret 7 Car insurance for Mexican vehicles is affordable. Don’t be cheap!

As with all things in life, you get what you pay for. South of the Border is a beautiful bargain destination for food, accommodations, and leisure activity. It’s one of the reasons Mexico remains a top worldwide tourist destination.

With all that, it’s super important not to fall into the cheap trap. Often, inferior products and services are offered to those who are only interested in being cheap, cheap, cheap. These policies are no exception. Mexicans aren’t stupid and know the meaning of value and quality. They want to accommodate all the different personalities who visit their country.

The intelligent traveler understands this in ways a news-hyped tourist never will. So don’t fall into that trap of being too cheap. In the end, the joke is always on you!

Insurance Conclusions

The best secret to buying Mexican car insurance is to have it before entering Mexico.

Enjoy Mexico From Home

July 31, 2020

During the COVID-19 pandemic, many of us in the USA and Canada are desperate to enjoy Mexico. Because of a host of reasons, many of us remain unable or unwilling to travel.

It’s easy to reminisce on Mexico’s many riches including culture, community, and the food we all love.

What can we do now?

Fortunately, there are many things we can do to enjoy “The Mexican Experience.”

Some of those stories end up here on our blog page. However, big feature-length articles end up on our external page. Find it at “Tips, Secrets, and Practical Advice for Traveling Mexico.”

That site features award-winning stories about Mexico. Read “Eight Ways to Experience Mexico From Home“

Once there, discover the many ways you can enjoy the best South of the border Culture. Learn ways to have the best experience of your life when you return.

Whether it’s an illness, injury, finances, or COVID-19, there are many ways to enjoy Mexico from home.

Mexican Insurance Store is committed to providing real, honest, and authentic information about Mexico. We offer the highest quality policies available in the marketplace. That’s why we hired the best travel writers to craft stories that are both entertaining and informative.

Use your newfound skills and cultural appreciation to make the next trip one of your best. Remember to get high-quality protection from MexicanInsuranceStore.com.