Rossman
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Location: Bahia Asuncion
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Auto insurance
I have a quick question about
Auto insurance. I will be living in Baja for a year beginning around March first. I have obtained an annual Mexican insurance policy but at some point
during the next year I will spend a month or so in the US. In order to be covered in the US during the period that I am there do I have to maintain my
current policy for the whole year or are there companies that offer monthly policies in the US similar to being able to get a monthly Mexican policy.
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rogbag
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Location: Los Barriles, BCS
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I used Coast Insurance last year when I drove up for a week. They offer monthly coverage. Did it all on the phone & online.
COAST AUTO INS (831) 394 1990
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Bob and Susan
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if you let your insurance in California lapse
your plates are no good
if your plates are no good you cant drive in the usa
unless you are getting a mex plated car you need to continue insuring your car in California
if you cancel your insurance and have a good rate right now...when you come back rates will be way higher...be careful
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gnukid
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CA DMV recognizes mexico insurance for cars based in baja and will not cancel insurance if the policy is on record. That said, it is cheaper for me to
maintain two policies year round as opposed to start-stop for short periods.
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sd
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And your Mexican policy may require you to have insurance in USA.
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RnR
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Only if you elect for full coverage on your Mexican policy (ie: Collision Damage)
Liability only policies do not require US insurance to be in effect.
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mtnpop
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Don't know if you can do this in Ca. or not but works for us..
Put the vehicle on comp only effective a day or so after you get into Mexico.. this keeps it active while you are gone at a greatly recuced cost...
then just before you go north activate it to a day or so before you cross the border going north...
and so on and so on....
we in Colorado have the same problem with DMV for our plates...
Looks like the vehicle is just parked for awhile until you start using again...
Wife is an insurance agent in Colorado and figured this out...
DMV system would still show you have insurance....
Common sense is a flower that doesn\'t grow in everyone\'s garden.....
A wise man once spoke nothing.....
Never kick a cow chip on a hot day!!
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willardguy
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so what do folks with south dakota plates do to travel to california a few days a year, just wing it?
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bajalearner
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An option might be "planned no-nop status" PNO with CA. You wouldn't need CA insurance. I don't know what it would mean to the Mexican requirements.
PNO means that the vehicle will not be driven, towed, stored, or parked on public roads or highways for the entire registration year.
google it for complete information.
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Udo
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Our South Dakota Insurance (Mercury) is valid in all US states.
BTW, our Mercury insurance ended up being 25% less in South Dakota than in California.
Udo
Youth is wasted on the young!
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bajaguy
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South Dakota
Another benefit if you LEGALLY change your residence to South Dakota is no personal STATE income tax
That along with the savings on your vehicle registration fees will pay for your trip to South Dakota to take care of business.
[Edited on 1-28-2015 by bajaguy]
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durrelllrobert
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Every time I renew GIECO sends me a South Dakota proof of insurance card that matches my plates. Also, because my annual mileage in the US is less
than 5,000 I get a super low rate.
[Edited on 1-28-2015 by durrelllrobert]
Bob Durrell
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willardguy
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Quote: Originally posted by durrelllrobert  |
Every time I renew GIECO sends me a South Dakota proof of insurance card that matches my plates. Also, because my annual mileage in the US is less
than 5,000 I get a super low rate.
[Edited on 1-28-2015 by durrelllrobert] |
I recently switched from gieco to ameriprise and the rate is low,about $290 bucks a year, $290 bucks a year to cross the border into SD to see the VA
a couple times a year!!! THATS whats making me crazy!
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bajaguy
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| Quote: Originally posted by willardguy |
I recently switched from gieco to ameriprise and the rate is low,about $290 bucks a year, $290 bucks a year to cross the border into SD to see the VA
a couple times a year!!! THATS whats making me crazy! |
Why don't you just buy US insurance for your trip. Couple of places in Ensenada sell policies good for up to 30 days in the US
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willardguy
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| Quote: Originally posted by bajaguy | | Quote: Originally posted by willardguy |
I recently switched from gieco to ameriprise and the rate is low,about $290 bucks a year, $290 bucks a year to cross the border into SD to see the VA
a couple times a year!!! THATS whats making me crazy! |
Why don't you just buy US insurance for your trip. Couple of places in Ensenada sell policies good for up to 30 days in the US |
I guess that takes us right back to rossman's original question! where can I find these folks in ensenada?
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bajaguy
Elite Nomad
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Elena Betts in Ensenada. I'll get her contact info in a couple
| Quote: Originally posted by willardguy | | Quote: Originally posted by bajaguy | | Quote: Originally posted by willardguy |
I recently switched from gieco to ameriprise and the rate is low,about $290 bucks a year, $290 bucks a year to cross the border into SD to see the VA
a couple times a year!!! THATS whats making me crazy! |
Why don't you just buy US insurance for your trip. Couple of places in Ensenada sell policies good for up to 30 days in the US |
I guess that takes us right back to rossman's original question! where can I find these folks in ensenada? |
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bajaguy
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[/rquote]I guess that takes us right back to rossman's original question! where can I find these folks in ensenada?[/rquote]
Elena Bretts Paul
(646)178-4394 (Ensenada)
elenabretts@yahoo.com
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willardguy
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| Quote: Originally posted by bajaguy | [/rquote]I guess that takes us right back to rossman's original question! where can I find these folks in ensenada?[/rquote]
Elena Bretts Paul
(646)178-4394 (Ensenada)
elenabretts@yahoo.com |
now were talkin! gracias 
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bajaguy
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Anything for you, Willie
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Rossman
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Great information. Thanks for all of the responses. Gives me some other options to consider.
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