9 replies to this topic

[HK70]

Hola...........so I recieved a call this morning from my US car insurance telling me they were going to discontinue my US border car insurance policy which covers me for driving on the US side of the border becuase of lack of memebership. I have USAA car insurance. They gave me two options. 1) a name of company named Bravo that will issue insurance on as "as needed basis" which does not work for me since you need continuous coverage in CA. 2) they would issue me a full blown CA insurance policy which is twice the cost of the current border policy that I have. I only drive across the border about once a week. This sucks because I have been with USAA since I started driving and they are a really good company but I really don't want to pay that much if I do not have too. Looks like I might need to change carriers.....

For those of you living in Mexico what do you do for car insurance when driving in the US.

Thanks

[CB]

i use geico with no ins for mexico...ive beeen meaning to get tat though...

[Cyanide41]

this is a very good question. USAA won't cover me because I live in MX.

[HK70]

USAA knew I was living in TJ and knew my car was housed in TJ. Their border policy was a good option for those of us living in MX but still need coverage in the US.

I will probably just have to get a CA insurance policy with them but I will increase the deductible and decrease the coverage amounts due to my limited driving on the US side to bring down the costs.

I was hoping someone had info on border policy with other ins. carriers.

I have my Mexican car insurance through these guys http://sanbornsinsurance.com/

[otayBill]

I get liability only for the my US coverage through USAA. It only costs $400 a year.

[andy]

I have been unable to find a clear cut way to get the proper insurance coverage if you have California plates and reside in Mexico on a FM3 or tourist visa.  Most US insurance companies will not insure your car if you are garaging in Mexico and have US plates (eg. California).  You need to 'garage' your car in the United States.

If you have a FM2 or are a Mexico citizen your car should have a Baja California plate on your car.  In this case you buy Mexican insurance from a Mexico insurance company as well as US liability coverage when you visit the United States.

[andy]

In regards to a Mexican tourist liability policy, if you have a Costco membership you should look into their Mexican Auto Insurance via Bonita West.  Go to costco.com, click on services, then Mexico Travel Auto Insurance.

For 100k in liability, 1 year policy, limited territory (Mexico border states only) the cost is $134.44 with Bonita West BEFORE the Costco discount.  If you have a Gold Star membership, the discount is 25%.  If you have Executive membership, the discount is 35%.  That brings the price to $100.83 with Gold Star or $87.39 with Executive.  Coverage is with Qualitas.

Per the Sanborn's website at the link provided above, the same 100k liability, 1 year policy is $182.92.  For 50k liability, a 1 year policy is $121.74.  I am not sure if this is limited territory or full territory (coverage in all of Mexico).  Coverage is with HDI Seguros.

Both policies include legal assistance.  If you have other needs such as full coverage, etc, check each website for a quote.

I have not seen any year long Mexico tourist liability policy less than Bonita West with the Costco discount.  In fact, the price seems to be less than Sanborn's even without the Costco discount.

[TJ Toy]

This is extremely good information. I just purchased a full coverage on my SUV with my Costco Exec membership. HDI Seguro quoted me around $450 a year. Bonita West only charged $233 a year.

In regards to a Mexican tourist liability policy, if you have a Costco membership you should look into their Mexican Auto Insurance via Bonita West. Go to costco.com, click on services, then Mexico Travel Auto Insurance.

For 100k in liability, 1 year policy, limited territory (Mexico border states only) the cost is $134.44 with Bonita West BEFORE the Costco discount. If you have a Gold Star membership, the discount is 25%. If you have Executive membership, the discount is 35%. That brings the price to $100.83 with Gold Star or $87.39 with Executive. Coverage is with Qualitas.

Per the Sanborn's website at the link provided above, the same 100k liability, 1 year policy is $182.92. For 50k liability, a 1 year policy is $121.74. I am not sure if this is limited territory or full territory (coverage in all of Mexico). Coverage is with HDI Seguros.

Both policies include legal assistance. If you have other needs such as full coverage, etc, check each website for a quote.

I have not seen any year long Mexico tourist liability policy less than Bonita West with the Costco discount. In fact, the price seems to be less than Sanborn's even without the Costco discount.

[zunigan]

Is sanborns any good for Mexican insurance? There price The price for a year was about 325.00

[Cyanide41]

I get mine from Baja Bound. They also give a discount to Senti pass holders.