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Ken Cooke
Elite Nomad
Posts: 8970
Registered: 2-9-2004
Location: Riverside, CA
Member Is Offline
Mood: Pole Line Road postponed due to injury
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Any American Auto Insurers that include Mexican coverage?
I'm planning on changing policies this summer, and that would be a plus (in terms of savings).
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David K
Honored Nomad
Posts: 65410
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Liabilty has to be written by a Mexican company... some U.S. companies will cover YOUR vehicle repairs a limited distance into Mexico. State Farm
covers mine up to 50 miles from the border.
The best deal is to buy an annual policy... My $32,000 truck costs around $250/year for full coverage (and legal aid)... and when you go into Mexico
for 2 or more weeks total, it is cheaper than buying daily coverage... and then stressing about getting back across the border before it expires!
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Ken Cooke
Elite Nomad
Posts: 8970
Registered: 2-9-2004
Location: Riverside, CA
Member Is Offline
Mood: Pole Line Road postponed due to injury
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An annual policy for my 2003 Wrangler Rubicon costs roughly $450.
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Ken Cooke
Elite Nomad
Posts: 8970
Registered: 2-9-2004
Location: Riverside, CA
Member Is Offline
Mood: Pole Line Road postponed due to injury
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Another plus would be to offer a policy that covered just the Baja peninsula instead of the entire Republic of Mexico.
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David K
Honored Nomad
Posts: 65410
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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| Quote: | Originally posted by Ken Cooke
An annual policy for my 2003 Wrangler Rubicon costs roughly $450. |
Shop around more... you can online... My 2010 truck is half that price... and is a top rarted company used by many here on Nomad. Yes, I get Northwest
Mexico, not the entire country... But, Chihuahua, Sonora, Sinaloa and all of Baja is enough area.
I have 3 companies listed in my web site you can check.
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Ken Cooke
Elite Nomad
Posts: 8970
Registered: 2-9-2004
Location: Riverside, CA
Member Is Offline
Mood: Pole Line Road postponed due to injury
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| Quote: | Originally posted by David K
| Quote: | Originally posted by Ken Cooke
An annual policy for my 2003 Wrangler Rubicon costs roughly $450. |
Shop around more... you can online... My 2010 truck is half that price... and is a top rarted company used by many here on Nomad. Yes, I get Northwest
Mexico, not the entire country... But, Chihuahua, Sonora, Sinaloa and all of Baja is enough area.
I have 3 companies listed in my web site you can check. |
I did the research, and yes, the prices for the companies your site lists are much lower than what I encountered elsewhere. Thanks! 
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El Camote
Senior Nomad
Posts: 514
Registered: 9-7-2003
Location: Above the clouds
Member Is Offline
Mood: y Blues
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Ken, AAA tells me my comprehensive coverage extends into Baja (theft, fire, etc.) although I've never had need to test it.
I just take a yearly liability-only policy with a Mex. Co. on top of that.
Knowledge is good. - Emil Faber
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fishabductor
Senior Nomad
Posts: 800
Registered: 5-29-2010
Member Is Offline
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| Quote: | Originally posted by Ken Cooke
Another plus would be to offer a policy that covered just the Baja peninsula instead of the entire Republic of Mexico. |
Lewis and Lewis covers baja only. I have used them exclusively for 8 years. For $14,999 coverage..I paid about $250/yr
Now I need to find a company that insures mexico plated rigs...anyone have any info?
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KASHEYDOG
Senior Nomad
Posts: 649
Registered: 2-21-2007
Location: CARLSBAD,CA 619-990-0270
Member Is Offline
Mood: SO MANY TACOS, SO LITTLE TIME... Gotta Go, See ya there.... 
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http://www.costco.com/Browse/Productgroup.aspx?ec=BC-EC12628...
If you're a member of Costco try the link above
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KASHEYDOG
Senior Nomad
Posts: 649
Registered: 2-21-2007
Location: CARLSBAD,CA 619-990-0270
Member Is Offline
Mood: SO MANY TACOS, SO LITTLE TIME... Gotta Go, See ya there....
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Orr this one 
https://www.mexicoensurance.com/quote_form.php?agente=bi
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rocmoc
Nomad
Posts: 234
Registered: 5-25-2009
Location: Tucson, AZ
Member Is Offline
Mood: Live today like it maybe your LAST!
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There are a couple USA Insurance Companies that include Mexico Comp coverage in their policy. Progressive is such a company so I carry only Mexico
Liability on my 5th wheel via Lewis & Lewis. My Tow Vehicle is insured via AAA and has full complete Mexico coverage via Lewis & Lewis. Most
Mexico Insurance Companies have a Northern Mexico Policy or Total Mexico Coverage Policy. Lewis & Lewis has some of the highest $ Liability
coverage. You use to be able to get by with the min but Mexican Courts have be awarding higher $ claims so we upped our $ amounts.
rocmoc n AZ/Baja
[Edited on 6-28-2010 by rocmoc]
[Edited on 6-28-2010 by rocmoc]
rocmoc n AZ/Mexico
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knuckles
Nomad
Posts: 140
Registered: 9-15-2009
Location: I am never sure anymore :)
Member Is Offline
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I tested that AAA coverage.....after sitting with an agent and having a very nice conversation about where we lived and the local resturants etc. We
very specifically explained that we had a mexican liability policy and wanted to verifiy that the truck itself would be covere. I proceeded the
next weekend to back into brick wall. Never dreamed their would be an issue of coverage. AAA asked several questions when I filed the claim and
then two weeks later told us we were not covered because we travel to Baja too often.
RAT BASTARDS ALL OF THEM INCLUDING THE AGENT WHO DENIED THAT WE HAD THAT CONVERSTATION.
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
Member Is Offline
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You really need to pull out your policy and read it thoroughly. I've been aware of US companies providing certain coverage in Mexico, but as David
noted the coverage is restricted geographically. I've never heard of any policy language that dealt with frequency.
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knuckles
Nomad
Posts: 140
Registered: 9-15-2009
Location: I am never sure anymore :)
Member Is Offline
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Well after they denied the claim, I found an addednum that had to do with frequency of travel to mexico. Very vague and stated "regular and
customary". Bottom line, It was about $500 over the deductable and rather than spend my life fighting about it, I would rather walk and spread their
deceit to everyone I can. If the agent told us we were covered not two weeks prior, they should have stood by what their agent stated.
I always makes me wonder if something serious ever does happen am I really covered or not. Will they try to find some loophole? Of course. But
whatcha gonna do?
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k-rico
Super Nomad
Posts: 2079
Registered: 7-10-2008
Location: Playas de Tijuana
Member Is Offline
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I had an engine fire south of Mexicali about 6 years ago. Mercury insurance totaled the truck (97 Chevy 1/2 ton) and sent a check for the full value,
even paid to have it towed back to San Diego. I wasn't paying any kind of increased premium for coverage in Mexico. Good, fast, no hassle service. I
don't know how far south they extend the coverage.
[Edited on 6-29-2010 by k-rico]
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Ken Cooke
Elite Nomad
Posts: 8970
Registered: 2-9-2004
Location: Riverside, CA
Member Is Offline
Mood: Pole Line Road postponed due to injury
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AAA to the back of the line.
| Quote: | Originally posted by knucklesAAA asked several questions when I filed the claim and then two weeks later told us we were not covered because
we travel to Baja too often.
RAT BASTARDS ALL OF THEM INCLUDING THE AGENT WHO DENIED THAT WE HAD THAT CONVERSTATION. |
Sorry to hear that. Hope you caged and trussed your car after that happened.
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motoged
Elite Nomad
Posts: 6481
Registered: 7-31-2006
Location: Kamloops, BC
Member Is Offline
Mood: Gettin' Better
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When looking into motorcycle insurance for Mexico, I recall that the wording indicated that accidents off of paved roads were not insured...."WTF is
it good for?", I thought in my usual demure manner.... and decided if I ever crashed off-road and needed a tw, I would still have to pay a local to
haul it to the hiway
So far, I have never needed to use the insurance on truck or bikes
Don't believe everything you think....
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Baja&Back
Senior Nomad
Posts: 549
Registered: 9-10-2004
Location: Vancouver, Canada / todo de Baja
Member Is Offline
Mood: Rarin' to go South!
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Progressive gives me full coverage (except Liability) anywhere in Mexico for my Toyhauler and my ATV (offroad too).
I shop ALL the US agents EVERY year. Best price and inclusions for a Mexican policy are consistently at San Xavier Insurance in Tucson & Nogales
AZ. (sorry Geoff)
Hope this helps.
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cutexianchick
Junior Nomad
Posts: 76
Registered: 6-27-2010
Location: TJ - San Diego - Riverside
Member Is Offline
Mood: excited!
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I didnt read all the posts. You can buy through Costco, bought a year for $145, limited territory the upper states and all of baja. Full coverage,
ect... this is on a 2002 tundra access cab. They contract through BWMIS, I htink full territory was close to three, but I cant remember
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knuckles
Nomad
Posts: 140
Registered: 9-15-2009
Location: I am never sure anymore :)
Member Is Offline
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Yeah Ken, now caged and trussed with Lewis and Lewis. Some of their fine print concerns me as well, but you just do the best you can and hope you
have no further misfortune.
I am sure other nomads have some really good input, mine was smal and in the big picture of life, insignificant.
Remember everyone, stuff can be replaced. People cant.
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