Tips on Buying Mexican Car Insurance Before Your Upcoming Trip

If you are planning on visiting Mexico either for a short trip, or an extended stay, and you will be operating a vehicle in this country; then you may want to consider investing in Mexican car insurance. There are different legal systems in place in Mexico, when compared to the United States; and some significant difference in insurance coverage’s that are offered for drivers. When buying a plan for an upcoming trip to Mexico, it is usually best to purchase a short term policy online before entering the country; to avoid any potential issues.

Research Liability Differences- One of the major differences with car insurance in Mexico compared to the United States is the difference in liability issues between the two countries. According to the civil law in Mexico; there is no liability for any type of emotional distress pain or suffering for those who are in an automobile accident. This means that insurance claims only covers property damage and bodily injury; items that are determined strictly and easily based on their actual cash value. This is important information to know, should you ever be in an accident.

Purchase Separate Legal Aid Coverage- When inside Mexico, there is no liability coverage to pay for your legal defense, should you get in an accident and need to go to court. Typically, there is an option to add legal aid coverage to your policy.

Be Aware of Mexican Accident Laws- When deciding whether or not to get Mexican car insurance; remember, if you are in an accident, the country’s law requires your vehicle to be held within the nation’s borders until all damages are paid off. With this in mind, make sure that your policy will cover the cost of bail, or add an additional coverage first.

Buy a Short Term Policy Online- Don’t wait to purchase auto insurance until you arrive in Mexico, you can purchase short term travel policies online before your trip. While you purchase your online policy; make sure you also purchase a car permit.

Collect the Proper Paperwork First- When you enter into the country, you will legally need to have both Mexican car insurance and a car permit for Mexico, especially once outside the ‘border sector’ of the country. When driving in the country, the insurance claim, title holder and driver all must be owned by the same person. In order to obtain a temporary car permit, you will need your drivers license, registration, ID, major credit card and some type of immigration form.

Consider Auto Insurance Through Your Car Rental Company- Many travelers will decide to rent a car in Mexico after they have crossed the border. Your car rental company will likely be able to offer you high quality coverage. However, if you want to get liability coverage, you will have to get this separately from a licensed provider.

Learn the Difference in Deductibles- Deductibles in the United States are different than deductibles in Mexico. Typically with auto insurance in Mexico, there are two different types of deductibles. First there is the physical damage deductible, that is usually about 2% of the value of the vehicle; with a a minimum of $500. There is also theft deductible that is usually 5% of the vehicle’s value with a minimum of $1,000. With the differences in typically deductibles; it is important for drivers to be well informed of what their deductibles will cover.

Look for Medical Evacuation and Plane Tickets Home- If you are worried about a potential accident impacting your trip; consider adding medical evacuation coverage. This will pay for air or land ambulance services. You can also add coverage to cover the cost of your plane tickets to the US or Canada, should an accident render you unable to leave.

Vehicle Repair- As a visitor to the country of Mexico, drivers will want to find out if they are allowed to repair their vehicle in their home country, whether the US or Canada. Otherwise, those who are in accidents may have to get their repairs done in Mexico. Not all insurance companies offer this service, but some who specialize in travel insurance will have this option.

Auto policies differ from country to country; but as a responsible driver, it is always smart to know your coverage options. If you should find yourself in an accident, you can feel confident knowing that your Mexican auto insurance can help keep you covered. Your insurance policy may have a number that you can call,or you can call Mexico’s version of 911 (066) in case of an accident, for assistance.

Tips On How To Save Money On Car Insurance

Some things in life are free. Car insurance is not one of those things, and it can be rather darn expensive. Here are some ideas on how to save money on car insurance.

Depending upon what state you live in, having car insurance may not only be a smart way to protect your car, it may also be the law. Certain states require that drivers carry insurance on their vehicle, and for good reason. Car repairs can be very expensive, and most people do not have a few thousand dollars set aside just in case of an accident.

Since car insurance is something we need to spend to money on, we should try to at least save some money while we’re doing it, right?

Here are a few tips to help you save some money on your car insurance bill.

1. Get quotes from more than 1 company. You are severely limiting the money you might save by signing up with the first company you get a quote from.

2. See if your employer has any special relationships that might entitle you to cheaper insurance. Some companies that are only available to groups have incredibly attractive rates and can save you a lot of money.

3. Some companies offer percentage discounts for a good driving record, good grades in school, and defensive driving courses. A defensive driving course might cost you a few hundred bucks, but it might you save you multiples of that over the next few years. Check with the insurance company to see which programs qualify for this discount.

4. Make sure your motor vehicle record doesn’t have any wrong information. Identity thieves have figured out that it is not too difficult to get their moving violations on someone else’s record.

5. Carrying a higher deductible, for example $1000 instead of $500, can lead to lower rates. If you are not prone to having accidents, a higher deductible might be a good choice for you.

6. If you have a teenage driver, consider having them get their own policy. At least get quotes to compare whether they are adding unnecessary expense to your rates.

7. Move to a rural area. This is probably not a viable option, but car insurance does vary heavily by area and state. More densely populated areas oftentimes have much higher rates than rural areas.

8. If your vehicle is completely paid for, you may only need to carry a minimal amount of insurance. Check with your insurance company and state laws to see if you’re required to carry coverage such as liability, collision, or comprehensive coverage.

9. Some car insurance companies will give a discount if you have an alarm or theft-deterrent device installed. If your car doesn’t have one already, consider getting one.

There you have it. A few free tips on how to save money on your car insurance. Some may work for you and some may not, but you won’t know that you’re getting the best rate unless try to implement some of these tips. Good luck in reducing your car insurance bill!

Totaled Car or Not – 5 Tips so Your Carrier Declares a Total Loss

Your totaled car is sitting in the backyard when you get a

telephone call from your insurance adjuster. They will fix your car! In many

occasions this is good news, but when your car is nearly destroyed, and the

insurance company wants to patch it together and give it back to you, then

you’ve got a problem.

Think about it. The car will never be the same. If you want

to trade it in or sell it, you will probably have to take a substantial

reduction in price to be able to get rid of it. You also need to consider the

safety aspect of the car. Will your car ever be as safe as it was before the

impact?

In most accidents, cars can be fixed with no major

problems, but when you have a totaled car (or you are almost there) and the

insurance company will repair it and return it to you, you can be faced with an

uphill battle.

Insurance adjusters decide if you have a totaled car or a

fixable car. They need to first determine the value of the car and then

determine if the repair estimate is less than 70, 80, or even 90% of the car’s

value. So how do you protect yourself? Here are five simple tips.

Tip # 1: Ask for the repair estimate. Getting the

repair estimate will show you what the insurance company thinks is wrong with

your car. Review the estimate. Make sure the car will be painted and that all

the necessary parts to fix it are accounted for. If you do not know mechanics

that well, take that estimate to another shop and ask them to review it. You

will be surprised when other shops will tell you that your car should not be

repaired.

Tip # 2: Make sure you have the insurance company

account for all the cost associated with fixing the car before they start

working in your car. Have them account for all the parts and the shipping cost.

Make sure that the parts they are buying are actually in inventory. In many

cases, insurance adjusters price a part, but cannot find it. This will make you

wait longer and they would have to pay for more rental.

Tip # 3: Ask for a “tear down” so you know that

there is not a totaled car but a car that can be properly fixed. When insurance

adjusters and body shops write estimates, the do not get under the damaged

parts. They only look and estimate the damage that is visible. A tear down is

the process of taking off all the damage parts and looking to see if the parts

below are also damaged. More often than not, hidden damage will appear, and this

will make the estimate of damages higher and taking you closer to a totaled car.

Insurance companies do not want to pay for this tear down.

But if you insist, they will pay for it. This is a good idea anyway for two

reasons. The tear down will most likely than not increase the repair estimate.

You will also know if the integrity of the frame and chassis were compromised in

the impact.

There is no question that the body shop can put the car

back together. The question is if a fixed totaled car will be safe to be on the

road. Make sure some one looks at the mechanical and structural integrity of the

car.

Tip # 4: Use the rental expense to your advantage.

If your totaled car is going to get repaired, then it is likely that it will

take 20 to 30 days before your vehicle again. That is only counting body work

and paint and that all parts are on hand at the time the mechanics start

working. It will take longer if you have mechanical problems.

The insurance company will be looking at a rental bill that

could be over $1,000, depending on the limits of your policy. We have seen

rental bills of $2,000. If you have a totaled car, then the insurance company

will only have to pay up to three days of rental (sometime less, depending on

your state). They will be saving significantly if they do declare a total loss.

Tip # 5: Research your state law for

diminished or diminution of value claims. If you are making a claim against

your own insurance company, some states will allow you to ask for the difference

between what the car was worth before the accident, and what it worth after it

is repaired. Many states do not allow for first party claims like this one.

However, the restrictions only apply to first party claims. If you are making

this claim against the insurance company of the person that hit you, then the

claim will be allowed. Also, if you are making a uninsured property damage claim

against your own carrier. The claim will be allowed.

Click here for more tips on how to handle a totaled car claim.

Tips, Tricks, And Advice On Auto Insurance

Don’t put yourself at risk of the financial burden by not having auto insurance for yourself or your teen drivers! Having auto insurance protects you and helps offset costs, should you be in a car accident. Use the following tips to pick the right auto insurance company to fit you or your teen driver’s needs.

As you choose car insurance, be sure to properly protect yourself when it comes to liability for property damage and bodily injury. The right amount of coverage in this area can make a big difference in the event of an accident. Not having enough coverage can leave you with a lawsuit that can be hard to recover from.

When insuring a teenage driver, lower your car insurance costs by asking about all the eligible discounts. Insurance companies generally have a discount for good students, teenage drivers with good driving records, and teenage drivers who have taken a defensive driving course. Discounts are also available if your teenager is only an occasional driver.

When considering insurance for a young driver, it is wise to not purchase an expensive car. Rates are high enough for teenagers, they will skyrocket depending on the type and worth of a car. In this situation, safety is one of the highest factors affecting insurance costs.

One of the best ways to drop your auto insurance rates is to show the insurance company that you are a safe, reliable driver. To do this, you should think about attending a safe-driving course. These courses are affordable, quick, and you could end up saving thousands of dollars over the life of your insurance policy.

When shopping for an auto insurance policy, most companies are going to offer extras like towing, road-side assistance, GPS services, and other add-ons. These may come in handy if you’re ever in a pinch, but they can be really expensive. Say no to these extras in order to save money on your insurance.

There are a lot of factors that determine the cost of your automobile insurance. Your age, sex, marital status and location all play a factor. While you can’t change most of those, and few people would move or get married to save money on car insurance, you can control the type of car you drive, which also plays a role. Choose cars with lots of safety options and anti-theft systems in place.

Check into how much you would save by using the same insurer for both your home and your car. Some companies offer a discount if you have multiple policies with them. The majority of companies today do insure a variety of items, so it is a good idea to look into the possibility.

To make sure you’re getting fair pricing in your premiums, verify that your reported information is accurate in your policy. For example, ensure that the make/model of your vehicle is correct, the number of miles on the vehicle when you took out the policy, etc. Even your reported commuting distance is important as shorter commuting distances can have a positive effect on your premium savings.

You will want to make sure to contact your insurance company if you get a divorce and no longer want your ex to be on your policy. If they get into an accident while they are on your insurance policy, it could cause your rates to go up, and you will have to pay for their mistake for the rest of the time you have a policy with that company.

When you purchase a new car, you should keep your insurance rates in mind and look for the best safety features you can get. Safer cars are cheaper to insure. Because insurance companies are responsible for medical liability, they will charge a lower premium for safe cars that minimize injuries in an accident.

Know the laws in your state concerning auto insurance. In almost every state, car insurance is compulsory. You can face stiff fines and penalties for not carrying adequate car insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

When trying to decide on an insurance company for your auto insurance, you should check into the department of insurance from your state. You will find some valuable information there which will include closed insurance cases, important financial data as well as licensing information. This research will help you decide if you feel comfortable trusting this insurance company.

Pay for your auto insurance coverage in one payment up front. When you pay in full you will not be charged interest charges as you would if you were paying monthly. This means some companies also offer you a discount if your coverage is paid for ahead of time. Monthly payments can be convenient, but they may not be as affordable as you would like.

If you live in an urban area or an area where there are many wild animals, you may want to consider animal collision on your insurance. Repairing a car after you have hit an animal, especially a large one, can cost you thousands of dollars. Animal collision covers all of these costs.

A big part of setting the cost for your auto insurance premiums has to do with the type of car that you drive. Remember that when you are in the market for a new car – cars that are more expensive to repair, for example, will often result in higher insurance rates.

Ensure that your car insurance plan pays up front for car rentals. Drivers whose policies do not include rental coverage may wish to secure additional insurance for this purpose. The extra policy can be as much as $20 per day. If your car requires major repairs, you could be paying for quite a while.

Don’t allow your teen or yourself to drive without auto insurance. Car accidents and car repairs can be incredibly expensive. Having auto insurance before something happens is important so you can protect you and your family from a financial struggle! Use the tips above to get auto insurance today!