Congratulations – you start an exciting journey in Mexico. You have your car and all your gear, and now it's time to buy your Mexican tourist insurance. Your Mexican auto insurance solution may be the most important decision you make, but unfortunately it is often one of the fastest and least researched solutions that many Mexican tourists make. Do not make the mistake of accepting that all Mexican insurance is the same because the differences in insurance coverage and benefits can vary considerably between Mexican insurance companies. Although researching the insurance coverage is not very exciting for most people, this article will show you how a 5 to 10 minute study on the internet can save you thousands of dollars and very frustrating hours if you really need to use your insurance in Mexico
Use the internet to quote and buy Mexican travel insurance
Most of Mexican car insurance is bought directly from the internet. There are several websites that sell insurance in Mexico and buying your insurance from the internet has a lot of sense to the client. Do you want to wait until the last minute to buy your insurance at the border, or do you prefer to buy your insurance from the comfort of your own computer before you travel to Mexico? Most clients prefer to insure their insurance before
The best websites to buy your insurance in Mexico are those that offer multiple insurance companies in Mexico. This allows you to compare shopping across a website instead of filling multiple bid forms on multiple websites. A Good Mexican Insurance Website With A Comparative Insurance Patrol Will Save You A Lot Of Time And Confusion
Which Websites Can Be Reliable
Before You Get Your Insurance Offer, Be sure to seek a valid insurance license and contact information, Also you may be looking for a license number "Surplus Brokers". The surplus-line broker is an insurance broker who has a direct contract with the Mexican insurance companies and has a license to sell insurance coverage within the US. An excess of brokerage license is a good sign that the site is managed by an insurance company in Mexico. If the insurance license is not a surplus license broker license, this means that the site is most likely run by an insurance agent who sells through surplus lines, a broker. This does not mean that the products on the website are not valid but you may not get the same level of customer service as you would from a surplus of brokerage lines specializing entirely in Mexican insurance. You can also look for a list of a better business bureau and some sort of Internet security approval, such as Hacker Safe or McAfee Secure, to make sure your information will be secure during your internet transaction
Mexico Insurance Search Coverage  Once you choose a website that sells insurance insurance in Mexico, you will fill out the Quick Insurance Form. Within one minute, you should be able to get a firm offer and start exploring the benefits of the insurance products offered. Do not forget that this will be a much faster and streamlined process if you use a website that offers multiple competing insurance companies under a quote system (comparative quotes)
Look for a chart below or above insurance prices, exactly what the restrictions are for insurance in Mexico and what is actually covered. In this chart you will want to look at the following categories:
Discounts: The best Mexican insurance policies will offer fixed deductions, which means that the suspended sums will be fixed at a certain amount regardless of your vehicle's value Some of the less expensive policies will be based on amounts deducted from a percentage of the value of the vehicle. If the value of the vehicle is less than $ 20,000, the percentage of the deduction base may be fine, but when the value of the vehicle reaches a range of $ 30,000 or more, the percentage of the deduction base may be very high. If the website does not specifically mention the eligible amounts, you should not use this site!
Hours of work in the US for repairs made in the United States or Canada: In the past, most Mexican car insurance companies have tried to make customers repair vehicles in Mexico. The Mexican repairs, instead of the US, were often much cheaper for Mexican insurance companies and many customers did not want to leave their car in Mexico, so the company has gone out of these claims. Today, many of the better insurance programs in Mexico allow you to repair your car in the US or Canada if you wish. The catch is that some of the cheaper Mexican insurance programs will pay only a limited hourly rate for repairs made in the US (some with a low dollar of $ 20 per hour). This means that the customer will have to pay the difference in hourly working rates from his pocket. The best Mexican insurance programs will pay very high US labor rates, such as $ 70 an hour, or they will claim to pay any current hourly wage in the United States. These rules could significantly reduce your pocket costs in the event of a claim. If the insurance website in Mexico does not indicate whether US repairs are permitted or what the hourly rate is, do not use this site to buy Mexican insurance
Vandalism and partial theft Coverage: Vandalism and partial theft (which means only part of the vehicle is stolen like tires, door panels, etc.) is usually not covered by standard Mexican car insurance. Over the past few years, the higher-quality Mexican insurance programs have begun to offer this coverage in their extended coverage programs. If you want to protect yourself against as many losses as possible, you should look for that cover.
Limits of Liability: This is the part of the Mexican insurance policy that pays for damages you cause to third parties. This coverage is essential when traveling to Mexico. Most people in the industry believe that $ 50,000 liability insurance is perhaps the minimum amount you need to consider. Some of the best Mexican insurance programs will reach a combined $ 300,000 combined limit (a lump sum for property damage or personal injury), but will also increase the insurance premium. Some clients want these high limits to work in conjunction with US policy of responsibility. You can ask your American insurance agent if your umbrella insurance will recognize your car insurance in Mexico as the main cover.
Medical payments: This is the part of the Mexican insurance policy that pays for you medical expenses for your passengers (people in the car). $ 2,000 per person with a total of $ 10,000 per incident is the lowest limit you should consider, but many of the rules will offer much higher limits. Some of the better policies will also increase this amount if you are affected by an unsavory motorist who is to blame. You can contact your American or Canadian health insurance provider to make sure they will cover you for medical expenses incurred when traveling to Mexico. If not, you may also want to study an international health insurance plan, but this is a different subject.
Legal Service: Ensure that your insurance in Mexico includes legal services or legal aid. This coverage will cover legal costs, bargaining fees or guarantee payments resulting from a traffic accident in Mexico. The service will also send a legal representative to hold your hand in any legal proceedings. This coverage is absolutely essential, so do not buy any car insurance in Mexico that does not include this coverage!
Roadside assistance: Most of the better insurance companies in Mexico will include a certain level of road assistance, flat tires, locksmith and other services. This is great coverage, so make sure it's included in Mexico's insurance policy.
Medical evacuation: Since the Mexican insurance market is becoming more competitive, many carriers from Mexico are now uniting in additional special coatings to make their products stand out. When medical evacuation is automatically included in car insurance in Mexico, it is incredible value and convenience. This coverage will coordinate and pay for emergency medical assistance or ambulance services in case of "serious illness or injury". This means life-threatening or very severe illness or injury. Buying a medical evacuation program will often cost hundreds of dollars a year, and there may often be many limitations. Mexican quality Mexican insurance programs that are included in medical evacuation coverage usually cover a few people in your road group automatically up to four or more people. Do not forget to look for how many people are covered by the medical evacuation. If the number of persons covered is not listed in the insurance offer data, you can assume that the medical evacuation can only cover the driver. There are other websites that specifically cover 4 or more people in your travel group, so it's highly recommended to look for websites that offer this wider medical evacuation medical insurance.
Airline Tickets Home: Another great advantage, better insurance sites in Mexico offer home airfares in case your car is stolen or not driven. This can save you thousands of dollars and ease the nightmare that you need to coordinate your transport to Mexico. If this compensation is offered, be sure to see how many people will provide airline tickets for home. If airline tickets are not listed at home or the website does not specify how many people are covered, you should check a different website. Several websites offer coverage for four or more people in your travel group.
When in doubt, call the customer service website telephone line
Renowned Mexican insurance websites will encourage you to contact customer service, you have questions about insurance in Mexico. If no one answers the phone or does not call you within a few minutes (during normal business hours), you may not want to buy your insurance from this website! Most insurance sites in Mexico are like ATMs. The website is available for your convenience if you want to write the policy yourself, but you are also welcome to call customer service agencies on the website and get your agents to write down the rules for you on the phone
. of these insurance coverage and website features while shopping for Mexican car insurance on the internet, you are guaranteed to buy the best insurance for your situation. A five to ten minute study can save you thousands of dollars and hours, if not weeks, for headaches in case you need to file a Mexican insurance claim. Be safe and have fun in Mexico!
Source by Jeff Nordahl