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dianaji
Senior Nomad
Posts: 606
Registered: 8-12-2008
Location: San Marcos, CA
Member Is Offline
Mood: hungry for knowledge, simplicity, hugs and fish tacos!
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Mexican Insurance
I was told to be sure to get yearly mexican insurance. i was given a quote of $88 year. is this a good price? it is in Tijuana. perhaps there is a
place closer to rosarito beach?
thanks, diana
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
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Who knows. It all depends on what is covered and the amounts of coverage. I know of some health insurance that costs only $485 a year but it
basically covers nothing except for some discounts.
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thebajarunner
Ultra Nomad
Posts: 3718
Registered: 9-8-2003
Location: Arizona....."Free at last from crumbling Cali
Member Is Offline
Mood: muy amable
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Time out!!!
Maybe before we all jump in here we should find out what kind of insurance is being discussed??!!
Just a thought.
On the other hand, lately Nomaders have much more advice than good sense, so any topic seems to be open season, with or without any facts...
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rpleger
Super Nomad
Posts: 1087
Registered: 3-12-2005
Location: H. Mulegé, BCS
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Mood: Was good.
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Sounds about...I get PL & PD for about $85 a year.
Sorry, that would be $83.00 a year...
[Edited on 8-16-2008 by rpleger]
Richard on the Hill
*ABROAD*, adj. At war with savages and idiots. To be a Frenchman abroad is to
be miserable; to be an American abroad is to make others miserable.
-- Ambrose Bierce, _The Enlarged Devil\'s Dictionary_
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dianaji
Senior Nomad
Posts: 606
Registered: 8-12-2008
Location: San Marcos, CA
Member Is Offline
Mood: hungry for knowledge, simplicity, hugs and fish tacos!
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oh, sorry, auto insurance! what's pL and PD?
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dianaji
Senior Nomad
Posts: 606
Registered: 8-12-2008
Location: San Marcos, CA
Member Is Offline
Mood: hungry for knowledge, simplicity, hugs and fish tacos!
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to be more clear...
i want auto insurance for driving...not to insure my auto...mostly for in case of accident, etc. so they won't take me off to jail. yes, i am asking
for advice, AND can anyone tell me a good insurance company and from their own experience yearly cost?
thank u all so much for your help...
diana
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Udo
Elite Nomad
Posts: 6346
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
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Mood: TEQUILA!
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Diana,
There is an insurer advertising it's services right here on Nomads. They are on the header.
Other than that you could look at Lewis & Lewis. Also you can join Discover Baja or Vagabundos Del Mar, and their liability only policies run
about $78.00/year. There are also optional coverages for optional prices above the initial outlay. All policies have the same liability coverage, and
the prices are fairly close.
I don't know what the company that advertises on Nomads charges. Just click on their site and get a free estimate.
Udo
Youth is wasted on the young!
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wakemall
Nomad
Posts: 183
Registered: 7-17-2006
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PL - Personal Liability.
PD - Property Damage.
Get the insurance....
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Bajaboy
Ultra Nomad
Posts: 4375
Registered: 10-9-2003
Location: Bahia Asuncion, BCS, Mexico
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Sounds like a good deal to me...Lewis and Lewis for liability only is $123/year.
Zac
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Diver
Ultra Nomad
Posts: 4729
Registered: 11-15-2004
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We have found Lewis and Lewis to be consistently cheaper for basic policies.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
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The best way to actually compare is to do a comparison chart. List the basic liability coverage limits for each policy you are considering. The look
at the other coverages like legal and compare those.
It is very much like saying a bottle of coke is $1.10 and it could be anywhere from 8 oz. to 64 oz. Big difference.
I did that kind of a comparison on a typical policy about a year ago when I was shopping and it was pretty amazing to see the difference in
coverage.
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David K
Honored Nomad
Posts: 64859
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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She is talking about the driver being insured and not the auto.
Most of us use the companies named above (BajaBound.com, Discover Baja, Lewis & Lewis) to insure our auto...
I think the company that offers insurance for the driver (in any car) is International Gateway...
Edit, I did a search on Nomad for International Gateway and found a post by Fishin Rich who uses that company:
posted on 8-11-2004 at 04:03 AM
insurance
You can try--seguros comercial america in tijuana. 664-687-97-00 or 664-200-20-29. They are the largest insure in mexico. They also have a writer in
san diego. international gateway--619-271-0572. It's funny but the US writer is cheaper than the mexican for the exact same coverage. I have been with
this company for many many years. I filed a claim on a boat and a truck and both times things could not have run smoother. fishin rich
[Edited on 8-16-2008 by David K]
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dianaji
Senior Nomad
Posts: 606
Registered: 8-12-2008
Location: San Marcos, CA
Member Is Offline
Mood: hungry for knowledge, simplicity, hugs and fish tacos!
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david,
thank u,
i'm hoping that Int. gateway will work for me cause perhaps they will speak english, which is one of my main problems.
oh, and save me some of those fish! later i will be asking where is the best place to buy fresh fish!
diana
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dianaji
Senior Nomad
Posts: 606
Registered: 8-12-2008
Location: San Marcos, CA
Member Is Offline
Mood: hungry for knowledge, simplicity, hugs and fish tacos!
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insurance comparison
actually, i do that with my vitamin shopping. i use excel and make a chart.
that was a good idea.
thanks,
diana
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Cypress
Elite Nomad
Posts: 7641
Registered: 3-12-2006
Location: on the bayou
Member Is Offline
Mood: undecided
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The word "oxymarooon" pops into my mind.
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Paladin
Nomad
Posts: 164
Registered: 3-25-2006
Member Is Offline
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A spread sheet to figure out the "best" insurance.
Simply precious
Maybe one might consider another process
#1 Find a Broker/Agent that knows what they are doing and has good references.
#2 Tell Broker to only quote companies that actually pay claims with some sense of ethics and morals.
This does not include AIG companies or any London Slippery Sands Mutual Companies
#3 Get references on the insurance company from people who have actually had claims.
#4 Ignore any references that have to do only with price.
#5 I'm really looking forward to NON renewing my Brokers License for annual Mexican fishing license.
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Keri
Super Nomad
Posts: 1393
Registered: 10-31-2002
Location: La Mision, Baja Norte
Member Is Offline
Mood: muy contento
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Diana you can also insure your drivers lic only
There is a lady in Rosarito and she speaks english. juanita roman 01152-661-100-2215. Insuring your drivers lic insures you for any car you drive. NOT
the car through.k. She can also help you with your regular insurance. By the way Geoff at bajabound.com is great. try him too,k
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vacaenbaja
Senior Nomad
Posts: 640
Registered: 4-4-2006
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I second intenational gateway. They have been my choice for years. As David stated they are one of the best. You have to look at an insurance
companies rating and how much assets they have to back up their claims. Do not expect any english to be spoken once you get past the boarder. Also
reaching the State side office for a claim can be hard too.
I have had fair and sucessful payment of a total on my car with them. But like anything in Baja the claim proceedure goes at the speed of molasses on
a cold day. It can be
VERY trying and drawn out. But Their policies are recognized
and will keep you out of the cess pools that double as jails.
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dianaji
Senior Nomad
Posts: 606
Registered: 8-12-2008
Location: San Marcos, CA
Member Is Offline
Mood: hungry for knowledge, simplicity, hugs and fish tacos!
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insurance comparison
vacainbaja,
that is very good info. i will check out both gateway and the lady that keri recommended.
i feel like i'm getting somewhere. and my horse is wanting bring my cart to fullness!
diana
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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I'm trying to sort out this Mex ins also.
As with most everything in Mex, there
rarely is a difinative answer.
Lewis and Lewis, as posted, offers a
annual liability of $300,000 at $123
a yr. That is quite a bit of coverage.
Some of the lower quotes for
insurance have as low as $50,000 csl,
That amount in my opinion is too low.
Other popular brokers offer $100,000
coverage for $280 yr. Go figure.
One Mex Ins Co that I've read
positively about is 'Genworth'.
The question I have, is the Lewis and
Lewis Co. for $123 as responsive
as the $280 Co.? I would not buy a policy
with $50,000
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