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oldjack
Nomad
Posts: 350
Registered: 1-26-2006
Location: Los Barriles
Member Is Offline
Mood: retired
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Annual Mexican Insurance ????
On or about Oct 15th I will enter Baja(of course through Tecate) and begin the retirement program that has been dealt me by the recent few years
economy... I anticipate being in BCS for probably 8 months of the year and will explore the NW US in the hot summer months... possible taking in some
exploration of the MX mainland instead of the NW...
There is a question:
I have priced the annual insurance by devaluing the value of my truck to $3500 and my towed items to $3500 for a total of $7000... both of the usual
sources here on this site have the price just above $500.yr.... that seems high and I would like some assistance on how you have obtained reasonable
coverage at an acceptable price..... I want to be protected from liability but I am will to forgo some value on my truck to save money.... suggestions
and/or referrals would be appreciated...
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larryC
Super Nomad
Posts: 1499
Registered: 8-11-2008
Location: BoLA
Member Is Offline
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I agree that sounds really high. My annual premium for a value of 22,999 is $328. This is through L and L ins in Santa Monica, Ca. I would keep
looking around.
Larry
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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Call Geoff at Bajabound [see add above] and discuss it with him.
Remember....a trailer requires it's own policy. It's not considered an extension of the truck as it is in the states.
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oldjack
Nomad
Posts: 350
Registered: 1-26-2006
Location: Los Barriles
Member Is Offline
Mood: retired
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Dennis... one of the quotes was Bajabound!!!! it is a utility trailer(6x10) with my lifetime of junk enclosed... I set a low value of $3500 using
their pricing wizard
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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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Oldjack... that is probably a policy for tourists on vacation... Max. time in Mexico 6 mos. out of the year policy. It is what I have... costs me $
two hundred something for a $30,000 Tacoma.
What it sounds like is you will be a part time resident in Mexico... and that requires a different kind of policy.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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Jack....If liability is your only concern, you can get that for around 150 bucks per year, but I think you'll still have to deal with the trailer
seperatly.
By the way.....the inexpensive liability insurance is only for clients with a stateside address. The Mexicans can't buy it if Mexico is their only
address.
OK....I'm getting in too deep here....dealing with "facts" which I'm unsure of. All I really know are things I've heard for a 1000 years.
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gnukid
Ultra Nomad
Posts: 4411
Registered: 7-2-2006
Member Is Offline
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Liability policies are typically around $80-90 for the driver's license policy on Baja Bound I recall. A driver's license policy is nice if you have
many cars or on occasion driver other people's cars.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by gnukid
Liability policies are typically around $80-90 for the driver's license policy on Baja Bound I recall. A driver's license policy is nice if you have
many cars or on occasion driver other people's cars. |
That price would be in line with a six month policy.
I have a DL policy along with full coverage on an almost new car. The DL policy is 149 bucks per year.
The full coverage is around 450 bucks per year.
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jeremias
Nomad
Posts: 218
Registered: 12-11-2009
Location: Huntington Beach, El Sauzal, BCN
Member Is Offline
Mood: Muy Tranquilo
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I just paid 130 for the dl policy through Bajabound, for the year.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by jeremias
I just paid 130 for the dl policy through Bajabound, for the year. |
There are a couple of price levels. The more expensive, such as mine, has a number you can call at the time of your accident and the company will
send a representative to the site, they say right away.
Don't want to test it.
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jeremias
Nomad
Posts: 218
Registered: 12-11-2009
Location: Huntington Beach, El Sauzal, BCN
Member Is Offline
Mood: Muy Tranquilo
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I think mine was the bare bones.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by jeremias
I think mine was the bare bones. |
Don't test that one either. 
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Debra
Super Nomad
Posts: 2101
Registered: 10-31-2002
Location: Port Orchard Wa./Bahia de Los Angeles BC
Member Is Offline
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My policy with L & L is $112 per year liabilty only, that includes lawyer ins.
Last year I did have to test it, (I posted an accident report here)
The ins. rep. was at my side within 10 or so mins. of my call, filled out the paper work in another 15mins. or so and was on my way.
The next test will be when I have to renew my policy, I'll report how that goes.
Mean people suck!
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mcfez
Elite Nomad
Posts: 8678
Registered: 12-2-2009
Location: aka BN yankeeirishman
Member Is Offline
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Vagabundos
Great service. fast service. Help whenever I needed it. We around $150.00 includes tow
Old people are like the old cars, made of some tough stuff. May show a little rust, but good as gold on the inside.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by mcfez
Vagabundos
Great service. fast service. Help whenever I needed it. We around $150.00 includes tow |
Includes tow? Hard to imagine.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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Discount
Noticed on BajaBound if you have SENTRI, there is a discount
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by bajaguy
Noticed on BajaBound if you have SENTRI, there is a discount |
Why, in this day and age, would anybody be looking for a discount on a yearly 150 buck purchase?
I don't get it.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by bajaguy
Noticed on BajaBound if you have SENTRI, there is a discount |
Why, in this day and age, would anybody be looking for a discount on a yearly 150 buck purchase?
I don't get it. |
discount = mas Pacifico
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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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Try Costco ins. link below
http://www.costco.com/Browse/Productgroup.aspx?ec=BC-EC12628...
Don\'t mess with the old dog...... Age and skill will always overcome youth and treachery! Brilliance only comes with age and
experience.....  ....  ....
Are you getting the most out of life OR is life getting the most out of you ?? 
Twenty years from now you\'ll be more disappointed by the things you didn\'t do then the things you did.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by bajaguy
discount = mas Pacifico |
OK....Now it makes sense.
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