Every year, millions of people visit Mexico and it’s many beautiful locations. With its vast array of experiences, it’s no wonder why it is the eight most popular tourist destination in the world. Being so close to the US border, it’s no surprise that many people choose to drive across the to visit Mexico and take it its amazing culture, food, and sunny destinations. Once you’ve crossed the border, you are minutes away from places like Rosarito Beach, Ensenada, and the fabulous wine region of Valle de Guadalupe.
One thing that tends to be overlooked is that laws in Mexico are different than that in the United States and it’s important to know the basics. Car insurance for your Mexico trip is often the first thing people think about after the face but the assume their insurance policy they hold in the US covers their vehicle when they travel into Mexico and that is not the case. US policies are not recognized in Mexico as valid auto insurance and you must purchase a temporary policy from a Mexican auto insurance company.
The good news is that Mexican car insurance policies are easy to get and very inexpensive. You can purchase the insurance right before you go and get policies that range from just one day to one year. Most policies also allow you to select different options for your policy so you can customize coverage that is right for you. Some options include:
- Liability limits
- Fixed or percentage deductibles
- Uninsured motorist coverage
- Legal assistance
- Medical expense payments
- Roadside assistance
- Uninsured motorist coverage
- Option to get repairs in the US or Mexico
When you go to purchase these policies, you generally are given options from a couple of Mexican auto insurance companies and can compare your options and rates. The minimum requirement is liability coverage but it’s smarter to get more coverage so in the event you are in an unfortunate situation, you can rest assured that your policy covers not just what you may be liable for but your family and passengers in your vehicle.
In order to get a Mexican auto insurance policy, you need the following:
- Dates you will be entering Mexico and leaving the country
- The location you will be traveling to
- The year, make, and model of your vehicle
- The approximate market value of your vehicle
- Your vehicle VIN and license plate number
- Your US auto insurance policy number
It’s important to note that if your car is over 20 years old, you will only be eligible to purchase a liability-only policy on your vehicle because comprehensive policies are not an option. Also, if you lease a vehicle, you must check with your lease company to see if it is okay to drive your car into another country. If you are renting a car, you cannot purchase temporary insurance through one of the Mexican auto insurance companies, however, the rental car agency should offer some kind of coverage on the vehicle. It’s best to check ahead to see what options are available to you.
SmartGringo.com has a wide variety of insurance options for your trip to Mexico and is one of the best places for Mexican car insurance. Not only can you customize options like the ones listed above, they also have policies covering temporary medical insurance, evacuation insurance, and boat & watercraft insurance. It’s a perfect place to show for all your temporary insurance needs and know you and your loved ones are safe and prepared should anything go wrong on your trip.