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Baja Oldie
Newbie
Posts: 9
Registered: 4-4-2018
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car insurance for a year
I have a family member who will be living and working in TJ for about a year. I will be visiting on a weekly basis. What are the cheapest options for
Mexican car insurance-- probably liability only for my vehicle. I live in San Diego.
Thanks and Happy Holidays to all!
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AKgringo
Elite Nomad
Posts: 5819
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
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Mood: Retireded
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I have a driver's license policy through Bajabound.com (their link is at the top of this page).
It is a one year policy, liability only, and I am pretty sure both drivers can be on one policy. check the site for a quote, and any limitations such
as, it is not for rental cars, motorcycles, motor homes.
If you are not living on the edge, you are taking up too much space!
"Could do better if he tried!" Report card comments from most of my grade school teachers. Sadly, still true!
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LukeJobbins
Nomad
Posts: 196
Registered: 3-11-2014
Location: Lemoore, Ca
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I use Bernie’s based in Rosarito. Super good company and you can pay for license insurance like akgringo which means you can drive any US plated
car. It’s nice when there is a chance you will use a different car. And mine is priced for two.
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Alan
Super Nomad
Posts: 1617
Registered: 4-6-2005
Location: Yucaipa, CA/La Paz
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Personally I have coverage through Discover Baja and I highly recommend that you purchase your policy through a travel company such as this or
Bajabound. The one time I had to make a claim after over 40 years of driving in Baja I learned how nice it was to have a travel club behind me. They
sell a lot of policies so they have significant clout when it comes to dealing with insurance companies. As I worked through my claim any time that
an email wasn't answered in a timely manner I simply attached a cc: to my travel company who immediately contacted the insurance company and my
emailed was then answered immediately. On the other side of the coin I must say my actual policy was written by HDI and they were excellent to work
with. My claim was completely resolved and deposited into my US bank account in under 30 days.
In Memory of E-57
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
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im with Luke, Bernies is a great outfit. I see no reason to pay a gringo to sell me a mexican product! 
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David K
Honored Nomad
Posts: 64490
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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How do you get the insurance in the U.S. as it is needed before entering Mexico?
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John Harper
Super Nomad
Posts: 2289
Registered: 3-9-2017
Location: SoCal
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Good question, DK. I sent Bernie's an email about how to purchase from the US or online. I'll post their response if I get one.
John
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tobias
Nomad
Posts: 188
Registered: 1-10-2014
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What are you guys paying?
Right now I am paying about 160 USD for a year from a company that was recommended by my US insurance company.
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John Harper
Super Nomad
Posts: 2289
Registered: 3-9-2017
Location: SoCal
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I got a quote from Bernie's for $113.07 per year, liability only. Just need to mail a check (to a San Ysidro PO Box), clear copy of my CDL, and date
that I want insurance to start.
John
[Edited on 12-18-2018 by John Harper]
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tobias
Nomad
Posts: 188
Registered: 1-10-2014
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Quote: Originally posted by John Harper  | I got a quote from Bernie's for $113.07 per year, liability only. Just need to mail a check (to a SY PO Box), copy of my CDL, and date that I want
insurance to start.
John |
Thanks, mine expires in about a month so I think I will try to get a different policy in La Paz if I can find one that cheap/
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John Harper
Super Nomad
Posts: 2289
Registered: 3-9-2017
Location: SoCal
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| Quote: Originally posted by tobias | | Quote: Originally posted by John Harper | I got a quote from Bernie's for $113.07 per year, liability only. Just need to mail a check (to a SY PO Box), copy of my CDL, and date that I want
insurance to start.
John |
Thanks, mine expires in about a month so I think I will try to get a different policy in La Paz if I can find one that cheap/ |
What company are you using now? Is it liability only?
John
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
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Mood: must be 5 O'clock somewhere in Baja
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HDI is German, that is why they are efficient
HDI-Gerling International Holding AG, with Headquarter in Hannover, Germany, belongs to Talanx: one of the longest and most solids groups of German
companies in the insurance market which has 17,000 employees worldwide.
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tobias
Nomad
Posts: 188
Registered: 1-10-2014
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| Quote: Originally posted by John Harper | | Quote: Originally posted by tobias | | Quote: Originally posted by John Harper | I got a quote from Bernie's for $113.07 per year, liability only. Just need to mail a check (to a SY PO Box), copy of my CDL, and date that I want
insurance to start.
John |
Thanks, mine expires in about a month so I think I will try to get a different policy in La Paz if I can find one that cheap/ |
What company are you using now? Is it liability only?
yes, would rather pay for a new rig than go through all the hoops needed to get paid by an insurance company that is bent on not paying. Watched a
buddy go through it last year and he paid top dollar to insure his very expensive westfalia syncro.
John |
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LukeJobbins
Nomad
Posts: 196
Registered: 3-11-2014
Location: Lemoore, Ca
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I think mine was over 200 for liability only for all of Mexico. Not sure what discover Baja or instant mex(the company score uses) covers in a
standard policy, but a normal policy is normally only good for liability, on a paved road, north of San quintin.
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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What amount of $$$ liability do you guys typically have on a
liability only policy in Mex?
In the US, I believe one can get liability
only and have uninsured motorist along with it. My understanding is in Mex, uninsured motorist comes only
with full coverage. Read 95% of Mex plated vehicles are
not insured, don't have stats to back that up.
Getting hit while stopped at a red lite
is probably my main concern
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tobias
Nomad
Posts: 188
Registered: 1-10-2014
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| Quote: Originally posted by sancho | What amount of $$$ liability do you guys typically have on a
liability only policy in Mex?
In the US, I believe one can get liability
only and have uninsured motorist along with it. My understanding is in Mex, uninsured motorist comes only
with full coverage. Read 95% of Mex plated vehicles are
not insured, don't have stats to back that up.
Getting hit while stopped at a red lite
is probably my main concern
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This is why I no longer consider bringing my westfalia down here. As far as I am concerned , you get in an accident, you are on your own. I have heard
one incident of a person being paid in a timely manner by insurance down here and several tales of hours upon hours on the phone with no resolution.
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John Harper
Super Nomad
Posts: 2289
Registered: 3-9-2017
Location: SoCal
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I just checked with my new insurance company, Liberty Mutual. They cover liability and damages down 75 miles into Mexico. Here's a cut from my
return email:
The good news is that your automobile policy already includes coverage for any liability and physical damage that happens in Mexico, if the following
criteria are met:
You must not travel more than 75 miles into Mexico, and
You must not stay for longer than 10 consecutive days
Since most of my trips are to Campo Lopez (K55), it doesn't look like I really need to buy it now. Another great reason I changed to Liberty Mutual.
Even better, more reasons to go to Baja more often!
John
[Edited on 12-21-2018 by John Harper]
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
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| Quote: Originally posted by John Harper | I just checked with my new insurance company, Liberty Mutual. They cover liability and damages down 75 miles into Mexico. Here's a cut from my
return email:
The good news is that your automobile policy already includes coverage for any liability and physical damage that happens in Mexico, if the following
criteria are met:
You must not travel more than 75 miles into Mexico, and
You must not stay for longer than 10 consecutive days
Since most of my trips are to Campo Lopez (K55), it doesn't look like I really need to buy it now. Another great reason I changed to Liberty Mutual.
Even better, more reasons to go to Baja more often!
John
[Edited on 12-21-2018 by John Harper] |
nothing against liberty mutual but isn't it odd we're bombarded with "accident forgiveness"commercials when it isn't available in california?? any
idea who Kathy uses here?
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John Harper
Super Nomad
Posts: 2289
Registered: 3-9-2017
Location: SoCal
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I don't know for sure, but, I think she has a mex policy with Discover Baja, and US policy with AAA. She's having the rolled roofing on her house
completely redone, a lot of it blew off in those big winds. Obviously, there were several layers of old crap roofing underneath. Looks like they've
done a good job so far.
John
[Edited on 12-21-2018 by John Harper]
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Alm
Ultra Nomad
Posts: 2716
Registered: 5-10-2011
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| Quote: Originally posted by tobias | | Quote: Originally posted by John Harper | I got a quote from Bernie's for $113.07 per year, liability only. Just need to mail a check (to a SY PO Box), copy of my CDL, and date that I want
insurance to start.
John |
Thanks, mine expires in about a month so I think I will try to get a different policy in La Paz if I can find one that cheap/ |
You won't get a "different" (better) policy that cheap. This is only liability. Costs pretty much the same no matter where you buy, IIRC from $120 at
Bajabound, with minimal coverage. They are all brokers for the same 2 or 3 Mex insurance companies - Bernie, Bajabound, Lewis, etc etc. From the US
brokers like BB or Lewis you can buy and pay online without mailing a check or DL copy.
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