Now, that travel restrictions are slowly relaxed and borders are opening for travel, you must be planning your next Mexican trip. But are you sure you have taken all the pre-trip precautions? Besides packing your luggage with trip clothes, sanitizers, and travel documents, you should also be subscribing to the right auto insurance policy as a safety net while traveling in Mexico.
You may not have to buy long term auto insurance. As a tourist, you just have to purchase short term Mexican auto insurance for the duration of your stay. Here is a brief guide on why you need Mexican auto insurance and how you can choose the best policy.
Why Do You Need A Short Term Mexican Auto Insurance
For starters, you don’t have a choice as to whether you need or need not buy Mexican insurance. Mexican laws mandate that you must carry auto insurance when bringing your vehicle into Mexico. If you did not take one, you would have to buy one at the border anyway to be able to get a vehicle permit into Mexico.
Choosing at the last moment will leave you with a few choices and expensive options. Hence it is wiser to evaluate available options before starting your trip and choose the best policy that suits your needs.
How To Choose The Right Policy?
Consider the following factors when trying to buy your policy
The Duration Of Your Stay.
The longe your duration, the more money you will have to pay a premium for your insurance
The Destination Of Your Travel.
Some insurance terms may differ based on your destination.
Type Of Vehicle.
The make, model, and actual valuation of your vehicle will also impact the cost of your insurance.
Customization Options.
You can look into more options for like travel assistance, towing assistance, and legal assistance in case of an accident. You can also look into the extent of coverage provided, including physical damage, liability, vandalism, partial theft, medical payments, emergency road assistance, and more.
Customer Support.
Look into whether your insurance provider can provide round the clock customer support with quick responses and support for your language preference. Having communication problems when stranded in a foreign country is the last thing you would need to be dealing with when under some emergency situation.
Extension And Cancellation Policies
Trip plans can be flexible, which in case demands flexible terms for your insurance policy as well. Do check about the cancellation policy and the extension charges if you do not have a fixed schedule when you are planning for your Mexican road trip.
Support For Rental Cars
Most rental companies may not allow you to take your vehicle across borders. But if they do, do check if they are insured or consult with your insurance provider if they can provide adequate insurance for rentals.
Where Can You Buy Mexican Auto Insurance?
You can try and check whether your existing insurance is valid in Mexico, which mostly will not be the case. You can try checking out reliable Mexican insurance providers and choose them online. Research well, read reviews, and get the trust score of the insurance provider before opting for their products.
