Best Places To Buy Mexico Auto Insurance

If you're planning a trip to Mexico and intend to drive, it's important to know that you'll need Mexican auto insurance. This is because US or Canadian insurance is not recognised in Mexico, and you are required by law to have Mexico auto liability insurance from a Mexican insurance company. You can purchase this insurance from a Mexican insurance company or a US company that works with Mexican insurers, such as MexPro, Baja Bound, or Geico. It is recommended that you buy this insurance before you get to Mexico, as you will not be insured otherwise, leaving you at risk. When purchasing Mexican auto insurance, you will need to provide information such as the dates and location of your trip, your US car insurance policy number, your driver's license, and the year, make, and model of your car.

Online vs. in-person

There are several options for purchasing Mexico auto insurance, and it is recommended that you do this before arriving in Mexico. You can buy a policy in-person from a company that works with Mexican insurers, such as Baja Bound or Geico, or you can purchase a policy online.

Buying in-person gives you the opportunity to speak to an agent directly and ask any questions you may have. However, it may be more time-consuming and you will be limited to the opening hours of the insurance company.

On the other hand, buying your Mexico auto insurance online is a quick and convenient option. Many companies offer this service, and it can be done at any time of day. MexPro, for example, offers an online service where you can get a quote and purchase a policy in as little as two minutes. Progressive also offers an online quote service for Mexico auto insurance. This option may be preferable if you are short on time or are looking to make a purchase outside of regular business hours.

Whether you choose to buy online or in-person, it is important to compare prices and coverage options from different companies to ensure you get the best deal and the right policy for your needs.

Before vs. after crossing the border

Before crossing the border

Before you cross the border into Mexico, it is important to ensure that you have the correct auto insurance in place. Mexican law requires all vehicles to have car insurance from a Mexican-licensed insurer. Your U.S. or Canadian insurance policy will not be valid in Mexico, and you will be breaking the law if you drive without the correct insurance. You could face serious penalties, including fines and jail time, if you are caught driving without Mexican auto insurance.

You can purchase Mexican auto insurance from a Mexican insurance company or a U.S. company that works with Mexican insurers. It is recommended to buy your insurance before you cross the border, as this will ensure that you are covered from the moment you enter Mexico. When choosing a policy, look for one that is written in English and offers bilingual claims adjusters and bail bond assistance. You should also compare prices and coverage options from different companies to find the best deal.

After crossing the border

Once you have crossed the border into Mexico, you will need to present your insurance documents if you are pulled over by the police or if you are involved in an accident. It is important to keep at least two copies of your insurance documents with you at all times, including your policy, claims instructions, and roadside assistance instructions. Keep one copy in your car and another copy in a secure location, such as a hotel safe.

In addition to your insurance documents, there are a few other things you should keep in mind when driving in Mexico. First, make sure you have a Mexican tourist card (FMM), which you can obtain at the border or online. If you get it online, you will need to have it stamped at the border or an immigration office. Second, if you are planning to travel beyond the Mexico Free or Border Zone, you will need to obtain a Temporary Vehicle Import Permit (TIP). Failure to do so could result in your car being confiscated and legal consequences.

By following these guidelines and purchasing the appropriate auto insurance before crossing the border, you can ensure a safe and enjoyable trip to Mexico.

Full coverage vs. liability-only

If you're planning a trip to Mexico and intend to drive while there, it's important to know that you'll need Mexico auto insurance. US or Canadian insurance is not recognised in Mexico, and you are required by law to have Mexican auto insurance.

There are two main types of Mexico auto insurance: liability-only and full coverage.

Liability-Only Insurance

Liability-only insurance, also known as third-party auto liability insurance, covers injuries to other people and/or damage to their property as a result of an accident you cause in Mexico. It is required by law on all Mexican federal roadways. This type of insurance is typically cheaper than full coverage as it provides less financial protection.

Liability-only insurance can be broken down into two parts:

• Third-party liability coverage: This covers damages to other people's property caused by your vehicle.
• Bodily injury coverage: This covers injuries to other people caused by your vehicle.

In addition to the above, Mexpro offers three additional coverages with their liability-only insurance:

• Medical payments: Covers you and the occupants of your vehicle when injured in an accident.
• Legal assistance/bail bond: Covers guaranteed bail and legal assistance up to the liability limit chosen on the quote application.
• Travel/roadside assistance: Mexpro's MexVisit® travel assistance coverage includes travel, roadside, legal, and medical assistance.

Full Coverage Insurance

Full coverage insurance typically refers to a policy that includes all the state-required coverage types, as well as comprehensive and collision coverage. This type of insurance covers damage to your vehicle in addition to the benefits of liability insurance. It is generally more expensive than liability-only insurance but provides more financial protection.

Full coverage insurance usually includes:

• Collision coverage: Pays for your vehicle's damage from collisions, such as hitting another vehicle or a tree.
• Comprehensive coverage: Pays for non-collision damage, such as damage caused by fire, theft, weather, or vandalism.

You may also be able to add some additional coverages, known as endorsements, to full coverage policies:

• Rental reimbursement: Pays for a rental car if your vehicle is being repaired or replaced due to a covered claim.
• Roadside assistance: Pays for service calls like towing, jump-starting, or tire repair.
• Gap insurance: Pays the difference between your new car's value and the amount you owe on a loan or lease if the vehicle is totaled or stolen.

The type of insurance you choose depends on your individual needs and financial situation. If you have a loan or lease on your vehicle, you will likely be required to purchase full coverage insurance. If you own your vehicle outright, you have the option to choose between liability-only and full coverage policies. Consider factors such as the age and value of your vehicle, as well as your financial ability to pay for repairs or a replacement vehicle out of pocket.

It's also important to note that your insurance needs may change over time, so it's a good idea to reassess your coverage regularly, especially after any significant life changes.

Licensed vs. unlicensed insurers

When buying Mexican auto insurance, it is important to know the difference between licensed and unlicensed insurers. Licensed insurers are insurance companies that are authorised by the Mexican government to provide insurance coverage in the country. These companies have met the necessary requirements and regulations set by the government and are allowed to sell insurance policies to drivers. On the other hand, unlicensed insurers are companies that are not authorised to provide insurance coverage in Mexico. They may be based in other countries, such as the United States, and may not have the necessary licences or permits to operate in Mexico.

One key advantage of choosing a licensed insurer is that you can be confident that the company is legitimate and recognised by the Mexican government. This means that your insurance policy will be valid and enforceable in the country. Licensed insurers are also more likely to be familiar with the local laws and regulations regarding insurance, ensuring that your policy complies with all the necessary requirements. Additionally, licensed insurers are typically more stable and reliable, as they have gone through the necessary regulatory approvals. This means that they are more likely to be financially stable and able to pay out claims.

In contrast, unlicensed insurers may not be recognised by the Mexican government, which could lead to issues in the event of an accident or claim. Unlicensed insurers may also not be as familiar with Mexican laws and regulations, which could result in your policy falling short of the required standards. Furthermore, unlicensed insurers may not have the same level of financial stability and security as licensed insurers, potentially putting your coverage at risk.

When purchasing Mexican auto insurance, it is always recommended to choose a licensed insurer to ensure that you have valid and reliable coverage. You can verify the status of an insurer by checking with the Mexican government or seeking advice from a reputable insurance broker. By choosing a licensed insurer, you can have peace of mind knowing that you are complying with the local laws and that your insurance policy will provide the necessary protection during your time in Mexico.

Overall, it is important to carefully consider your options when purchasing Mexican auto insurance and to ensure that you select a licensed insurer that can provide you with the coverage you need. By choosing a reputable and authorised insurance company, you can drive in Mexico with confidence and peace of mind.

English vs. Spanish policy documents

When purchasing Mexico auto insurance, it is important to consider whether you require English or Spanish policy documents. While English may be your native language, there are several advantages to opting for Spanish policy documents, as well as some potential drawbacks.

English policy documents can be easier to understand and ensure that you fully grasp the terms and conditions of your insurance policy. This can be especially important when purchasing insurance, as it allows you to confidently know what is and isn't covered by your plan. Additionally, English-language policies may be more widely accepted in Mexico, as some sources recommend looking for policies written in English. This can provide added convenience and peace of mind during your travels.

On the other hand, Spanish policy documents may be more commonly used in Mexico, which is an officially Spanish-speaking country. Opting for Spanish documents can help you navigate and understand the local language and culture more effectively. This can be especially beneficial if you plan to interact with Spanish-speaking locals or read Spanish signage and documentation during your trip. Additionally, in the event of an accident or insurance claim, having Spanish-language documentation can facilitate smoother communication with local authorities, repair shops, and insurance providers.

It is worth noting that some insurance companies, such as MexPro, offer bilingual claims adjusters who are fluent in both English and Spanish. This can be a convenient option if you prefer having English-language documentation but still want the flexibility of communicating in Spanish when needed.

Ultimately, the decision between English and Spanish policy documents depends on your personal preferences and language skills. Consider your level of comfort with reading and understanding Spanish, as well as the potential benefits of having documentation that aligns with the local language during your travels in Mexico.

Frequently asked questions