Summers are great, especially when you are excited to go on your Mexican road trip. But before you gear up your vehicle and start riding on the Mexican roads, remember there are legalities you need to take care of. If not taken care of, some little things, such as insurance, can become a hassle when you are in dire need. As much as you expect your road trip to be enjoyable, you should also consider the possible unfortunate events. And so, you need insurance to protect yourself and your vehicle.
And if you think you are ready to risk and forego auto insurance, you will have to rethink: Mexican federal law requires vehicles on federal roads and bridges to carry third-party liability insurance (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis). Also, Baja Bound's FAQ says US and Canadian insurance is not considered proof of financial responsibility under Mexican law.
While you can get namesake Mexican insurance at the border, it is not the best option. By planning early on, you get a good deal both on the premium costs and the insurance terms. As you will need short-term insurance for your travel, the insurance cost will be low compared to general auto insurance policies. But should cost be the only factor when picking the best Mexican auto insurance for your Mexican trip? Here are some things to consider as well
Choosing The Best Mexican Auto Insurance Company
Coverage
Look into the various coverage options provided by the insurance company. Liability is the base coverage; some policies also provide additional or optional cover. Optional could be theft protection, vandalization protection, passenger insurance, towing assistance, and so on. Adding on optional coverage can increase your premium costs.
Work with a genuine insurance company
A hard-to-believe low premium is a reason to check the provider carefully. Use ratings such as the AM Best or reputable trust scores and review sites to evaluate a company. Go with companies that have a rating of A and above only. Ensure the insurer is properly licensed and has a good infrastructure and track record of supporting your claims successfully.
Customer support
A solid customer support service is very important to resolve all your queries with the insurance company. Ensure the company you pick has 24/7 customer support and multiple channels available for communication. You should also look into the languages they support to communicate hassle-free with them in your preferred or convenient language.
That said, if you are looking for the best Mexican auto insurance companies, SmartGringo’s guides explain the options and link you to Baja Bound, which quotes and sells the policy. Get a quote now.
Wondering what yours would cost? Start a Mexican insurance quote.