Mexican Auto Insurance – Why Buy On The Web?

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Mexican Auto Insurance

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Mexican Auto Insurance  – Why Buy On The Internet?

And why is Mexican Auto Insurance indeed critical for folks journeying to Mexico? The trouble is, even with legitimate U.S. or Canadian coverage, no matter how comprehensive your coverage is, it doesn’t cover financial obligation security for the people or property outside your motor vehicle.

This explains why is it vital to purchase a Mexican Insurance from an officially licensed company with permission to conduct business in Mexico. Basic common sense would dictate you purchase Mexican Auto Insurance prior to entering the country, because you will have a better understanding about what you are getting and just as importantly, you can see what you are NOT getting.

For example, there are insurers at the border who sell annual insurance policies. What they may not tell you is that some policies have a provision which states that if you are in Mexico for more than 90 days within the annual policy period, the policy is void.

Despite the fact that Mexican auto insurance by Mexican Insurance Store can not secured by vendors near the border, buying your insurance online and ahead of time can avoid unnecessary complications. It will save you time, money and frustration with better coverage and much lower fees.

You should ask yourself;

  • If I drive up to a booth with a nice vehicle, they will know I’m a captive buyer. Will the salesman increase the cost or adjust the Mexican Auto Insurance policy fee based on what they think I can afford to pay?
  • Did I buy the proper Mexican Insurance policy for my specific vehicle and my specific route?
  • Understanding Mexico Auto Insurance is a-la-carte, what do I need?
  • Understanding Mexican Insurance is a-la-carte, what is covered?
  • What is the worst actual exposure in Mexico? (Hint: Where’s my car?)
  • Does my policy cover the States I plan to travel in?
  • Am I getting value for my money, or am I being taken advantage of?
  • Why do some policies add taxes and high fees and others do not?

Purchasing Mexican Auto Insurance over the internet is easily the fastest, most reliable and convenient option. Web Sites with high rated policy choices and sites that allow comparing and customization of quotes are usually the safest, most affordable bet.

Mexican Auto Insurance Policies – Why Buy On The Web?

Mexican Insurance Policy Considerations: Choosing Reliable Companies

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Mexican Insurance

Driving Adventures In Baja California

Mexican Insurance Policy Considerations: Choosing Reliable Companies

In order to secure a good quality Mexican Insurance, savvy travelers begin by reviewing the financial strength , and claims paying ability of a few Mexican insurance carriers as a first step, and then comparing online coverage and rates that meet their needs as a second step.

As Mexico practices Napoleonic law, it is vital that you protect yourself from the possibility of being “jailed” in the event you are found at fault in an auto accident. All US and Canada auto insurance policies have territorial exclusions for “Liability” coverage in Mexico and most domestic insurers do not cover collision for your vehicle within Mexico.

Purchasing Mexico Auto Insurance by Mexican Insurance Store from an independently rated insurance company who combines adequate “liability” limits, with value oriented features and benefits is the goal when purchasing insurance for Mexico. This method is nearly impossible to apply if you buy coverage at one of the border sellers, however over the past few years it is getting easier to research a policy that can be understood, and can be purchased less expensively, if you purchase coverage online over the internet. Look for Mexico Insurance specialists.

In fact, the best Mexican Insurance deals are now online.

At a minimum, look for Mexican Insurance companies with an “A” rating or higher in the United States who are admitted and authorized to sell Mexico insurance. If any website doesn’t show right on the opening page that their Mexican  insurance company is “A” Rated by A.M. Best in the US (this includes Mexico Insurance Companies), then you can bet that the website is selling  Mexico insurance from an un-rated or non-rated insurance company. A.M. Best and Standard and Poor’s (who rate global, foreign, and domestic insurers) are considered to be the industry standard rating agencies within the worldwide insurance marketplace.

In fact, many insurance companies do business with other insurance companies (Reinsurance) and the minimum standard for all but a very few insurers is an A.M. Best’s Rating of “A” as a MINIMUM. When purchasing any type of Mexican insurance, buyers should ask themselves a few questions such as:

Can I buy Mexico insurance coverage from an insurer who has an “A” Rating for financial strength and claims paying ability or am I being asked by an agent or a broker who runs a small website or a local neighborhood agency to accept and purchase coverage from an unrated Mexican insurance company who in turn may pay the agent more commission in order to peddle bare bones coverage? (Keep in mind, annual written premium or the size of any insurance company as a measure of strength or claims paying ability is a questionable measure of fitness.) The usual response to this question when an agent does not wish to reveal the true nature of your risk is to say “Why they are the first, second, third etc. largest insurer in (any country).”

First look at the Mexico insurance company rating ( “A” is Standard ), next the Mexican insurance policy limit and features, and finally the price.

Using this professional Mexico insurance purchasing method will help you evaluate and compare rate quotes on a clear apples to apples basis that will help you get what you pay for should you ever be involved in a car accident or have a loss in Mexico.

Mexico Auto Insurance by Mexican Insurance Store sells A or A+ independently rated Mexican insurance and each Mexico insurance policy comes with Roadside Assistance at no additional cost to you.



Permits Required For Your Mexican Trip

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vehicle insurance

Seeing Mexico by car is one of the best ways to experience the culture and richness of the country. But if you plan to journey more than a few miles into the country or beyond the “border zone,” you will need a Mexico car permit.

The “border zone” is typically 20 kilometers inside the border, and cars can travel without a permit in the free trade zones within all of the Baja California Peninsula and the Sonora Free Trade Zone. However, since it can be easy to get lost in Mexico, and since you don’t want to be caught outside of the free trade or border zones without a permit, the peace of mind you get by obtaining a Mexican car permit is well worth the $29.70 (as of December 08) that it costs for the paperwork. Quality Mexican insurance is needed in order to keep you from being detained in case of a car accident.

Tourists traveling into Mexico by car will need to show proof of ownership, including the automobile’s registration and the title to the car. They might ask for Mexican insurance. The name on the title will need to match the name of the travelers, and a valid driver’s license in the same name, issued outside of Mexico, is also needed.

All permits must be cancelled when you leave Mexico, so be prepared to surrender the permit when you re-enter the United States. If you forget to cancel the permit, you may encounter trouble the next time you try to drive into Mexico. Also keep in mind that US and Canadian Auto Insurance is invalid and unrecognized in Mexico and because Mexico follows Napoleonic Law, you could be held until the damages you do to others are compensated. Mexican insurance online is the easiest way to meet this requirement.

Inspection of your vehicle may be required for entering the country. Most border locations have a traffic light system. If the light is green, you can proceed without an inspection. If the light is red, you will need to have your car inspected prior to entering Mexico.

Officials can also decide to inspect your vehicle at will. Keep in mind that you are able to travel to Mexico with items for your personal use only. Keep possessions to a minimum to avoid paying taxes on extravagances at the border. The basic necessities for travel – suitcase with clothing, toiletries, cameras, film, and computers can be taken across the border, as can a limited number of sporting goods and even alcohol for personal use. Any additional vehicles, including boats, dune buggies or ATVS will need car permits, as well.

Before traveling to Mexico, be sure to familiarize yourself with the rules and regulations of the country and what you need to know when driving there. Be advised that guns and weapons of any type are not allowed across the border. Accidentally leaving a weapon in the car and having it discovered at the border could lead to a side trip to a Mexican prison, so make sure you are well aware of everything in your car before you make the trip.

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Permits Required for Mexico