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Aldervale
Junior Nomad
Posts: 95
Registered: 12-22-2013
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Most affordable auto insurance ?
Without question our greatest expense for about one month SOB was auto insurance....any ideas or comments for finding a less expensive option?
We got a six month policy....no complaint except the bill !
Many thanks
Aldervale
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AKgringo
Elite Nomad
Posts: 6002
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
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Mood: Retireded
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I drive a low value vehicle, so I carry liability only. I found that the price of an annual policy was actually less than it would be for a three
week policy.
So I made two trips for much less than than if I had purchased two short term policies.
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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TecateRay
Nomad
Posts: 346
Registered: 9-6-2006
Location: La Mesa, CA
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Affordable is a multipart answer. Cheapest policy cost or can you afford to lose your vehicle when an inexpensive policy won't pay off after an
accident?
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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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You get what you pay for.
I for one, won't "cheap out" on Mexican auto insurance
Full coverage with legal representation and bail provisions through Bajabound......who will be there when you need them. I know from personal
experience. Geoff was one phone call away.
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Bob and Susan
Elite Nomad
Posts: 8813
Registered: 8-20-2003
Location: Mulege BCS on the BAY
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Mood: Full Time Residents
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Quote: Originally posted by Aldervale  | Without question our greatest expense for about one month SOB was auto insurance....any ideas or comments for finding a less expensive option?We got a
six month policy....no complaint except the bill !Many thanks
Aldervale |
do you have an electric car??? think fuel
I agree with bajaguy...
its not about the money...its about who will assist if you get in trouble
bajabound is your BEST choice
they can assist you when "it" happens
these are real people that travel baja today
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bajatrailrider
Super Nomad
Posts: 2427
Registered: 1-24-2015
Location: Mexico
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Mood: Happy
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Last truck I had insured Bernie's Mexican Ins. By the year was $250 full coverage. That was back in July 2014. Is the Ins good,yes they Pd out 10
grand U.S
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
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| Quote: Originally posted by bajatrailrider | | Last truck I had insured Bernie's Mexican Ins. By the year was $250 full coverage. That was back in July 2014. Is the Ins good,yes they Pd out 10
grand U.S |
good tip, im about up for renewal and gonna use Bernies also, I get my short term u.s. ins thru them.....nice folks!
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
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Regardless where you get the insurance, make sure you can get your vehicle fixed in the US if that is where you live and at a place of your choosing.
I speak from experience.
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Cancamo
Nomad
Posts: 349
Registered: 4-5-2011
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HDI Seguros- (800) 470-9900
Driver's License Annual Policy
Two drivers, $203 a year.
Liability only.
Single limit $80,000
Legal Aid & Bailbond Covered
Excess Liability $150,000
Works for me and my partner, covers anything I drive anywhere within the Republic year-round. One of the largest Insurers in Mexico.
Possibly another option for you.
Don't believe in comprehensive, I'll fix it myself, out of pocket if needed.
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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| Quote: Originally posted by TMW | Regardless where you get the insurance, make sure you can get your vehicle fixed in the US if that is where you live and at a place of your choosing.
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Was digging for some info recently, was informed one of
the more used Mex Ins Co's, while saying will repair
vehicle in the US, there was a labor hr. $ cap which, without
checking the US repair, was obviously WAY below US hr., like
less than 1/2 the US
rate, so do some asking. The combined single amount
I always go $300,000, you can buy policies with csl as low
as $50,000, not for me
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rts551
Elite Nomad
Posts: 6699
Registered: 9-5-2003
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| Quote: Originally posted by willardguy | | Quote: Originally posted by bajatrailrider | | Last truck I had insured Bernie's Mexican Ins. By the year was $250 full coverage. That was back in July 2014. Is the Ins good,yes they Pd out 10
grand U.S |
good tip, im about up for renewal and gonna use Bernies also, I get my short term u.s. ins thru them.....nice folks! |
I have not found a web site you can sign up on for bernies. only phone and address.
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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You got me curious, here's some info:
http://berniesinsurance.com/
looks like they are in Rosarito, my screen shows a red square
for info
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BornFisher
Super Nomad
Posts: 2107
Registered: 1-11-2005
Location: K-38 Santa Martha/Encinitas
Member Is Offline
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| Quote: Originally posted by willardguy | | Quote: Originally posted by bajatrailrider | | Last truck I had insured Bernie's Mexican Ins. By the year was $250 full coverage. That was back in July 2014. Is the Ins good,yes they Pd out 10
grand U.S |
good tip, im about up for renewal and gonna use Bernies also, I get my short term u.s. ins thru them.....nice folks! |
Bernie`s are good people but check your coverage. When I checked I was surprised the insurance covered only down to San Quentin and only over to San
Felipe. Luckily I didn`t find out the hard way!!!
"When you catch a fish, you open the door of happiness."
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rts551
Elite Nomad
Posts: 6699
Registered: 9-5-2003
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Yes I got the same thing. but none of those buttons do anything but give you a little info.
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bajatrailrider
Super Nomad
Posts: 2427
Registered: 1-24-2015
Location: Mexico
Member Is Offline
Mood: Happy
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Same here all good exp.with Bernies Ins. Since My new truck Mexican,plated cant get deal on tourist Ins.When I got new truck from Nissan Dealer
Baja.They wanted 2,500$ US for Mex Ins to drive it off the lot.Told me there rates competitive with anybody Rip off. Went down the street got it way
less then half.
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Udo
Elite Nomad
Posts: 6342
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
Member Is Offline
Mood: TEQUILA!
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I get my vehicle insurance through Discover Baja, and have for 20+ years.
However...
I can only drive one car at a time ( I have 3), therefore I am going to go with Bajabound driver's lic. insurance policy for liability only. Perhaps
with HDI Seguros (whom Cancamo mentioned). I currently have a liability only policy through HDI for all three vehicles. Yes, it has been a little
pricey, but I know whom I am dealing with. Bajabound is another one who is very reliable.
Udo
Youth is wasted on the young!
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J.P.
Super Nomad
Posts: 1673
Registered: 7-8-2010
Location: Punta Banda
Member Is Offline
Mood: Easy Does It
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| Quote: Originally posted by sancho | | Quote: Originally posted by TMW | Regardless where you get the insurance, make sure you can get your vehicle fixed in the US if that is where you live and at a place of your choosing.
|
Was digging for some info recently, was informed one of
the more used Mex Ins Co's, while saying will repair
vehicle in the US, there was a labor hr. $ cap which, without
checking the US repair, was obviously WAY below US hr., like
less than 1/2 the US
rate, so do some asking. The combined single amount
I always go $300,000, you can buy policies with csl as low
as $50,000, not for me |
Doesn't make sense to over INSURE they will only pay appraised value.
[Edited on 4-6-2016 by J.P.]
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BajaNomad
Super Administrator
Posts: 4994
Registered: 8-1-2002
Location: San Diego, CA
Member Is Offline
Mood: INTP-A
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| Quote: Originally posted by Aldervale | Without question our greatest expense for about one month SOB was auto insurance....any ideas or comments for finding a less expensive option?
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One of the most inexpensive options is Pizza Insurance, a term coined by "Oso" in this unforgettable post from May, 2005:
| Quote: Originally posted by Oso | | I'm still carrying "Pizza" insurance. I drive a Pizza Chit in Baja and hardly ever bother locking it. Nobody wants it. The mileage sucks, it's old
and ugly. But hey, so am I. It needs fixing from time to time (so do I), but there are no computers to freak out shade tree mechanics in San Goloteo
de Las nalgas, BCS. The Chevy 350 is known everywhere and chimpanzees can fix it without screwing much up. Parts are available at yonkes up and down
the peninsula. It's paid for,I don't need more insurance than liability and if the worst of worst scenarios occurs, I can just walk away from it with
no major tragedy in my life. |
[Edited on 4-6-2016 by BajaNomad]
When I was young, I admired clever people. Now that I am old, I admire kind people.
– Rabbi Abraham Joshua Heschel
We know we must go back if we live, and we don`t know why.
– John Steinbeck, Log from the Sea of Cortez
Affordable Domain Name Registration/Management & cPanel Web Hosting:
https://www.regionalinternet.com |
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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While one would be very unlikely to exceed the $50,000-$80,000
csl limits in Baja, may have never happened. It would be unpleasant to cause property damage that exceeds that limit. The increased csl to $300,000
I was referring to, is the amount of liability, I personally like
just in case, not the appraised value of the vehicle. it does cost
more
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Udo
Elite Nomad
Posts: 6342
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
Member Is Offline
Mood: TEQUILA!
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I like the PIZZA policy...I have two such vehicles, the 66 VW (for sale) and the 2004 Prius with almost 600,000 miles. Then the non-PIZZA vehicle is a
2012 Toyota FJ Cruiser.
Udo
Youth is wasted on the young!
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