A large portion of 20 million Americans travelling to Mexico drives cars. Not all, but some travellers don't know that they must carry AAA Mexican auto insurance as their American car insurance is not valid in Mexico. You need a particular type of insurance if you are driving your own or rental car. Whether it's a family vacation or a business trip, you should learn about the cost of Mexican auto insurance to get the right temporary Mexico auto insurance.

Why AAA Mexican Auto Insurance?

First of all, the Mexican authorities will not recognize your American auto insurance policies. Your American policy is of no use when covering the damages. You might get arrested without Mexican auto insurance. Your car will be impounded. You will only get the vehicle after settling the matter. This will be long if you follow the proper way to pay for the damages. To make it worst, the discussion with the authorities will be in Spanish. If you don't know Spanish, this will be a disturbing experience. If you are not buying AAA Mexican auto insurance, prepare for the consequences.

Buying Mexican Auto Insurance

Getting Mexican auto insurance is as easy as getting auto insurance in America. You can buy an auto insurance plan online. AAA, GEICO, Progressive and other large insurers have partnered with Mexican insurance companies, and Freeway Insurance offers Mexican travel insurance. These companies specialize in international car insurance. You can also purchase one at the border, but you will have to pay more. The process is almost the same for getting Mexican auto insurance. The insurer will ask for the following:

Type of the car you will drive.

  • The value of the car you will drive.
  • Limits you want.
  • Duration of the trip.
  • Locations you are going to visit in Mexico.
  • Is the driver under 21?
  • Will you tow anything?
American insurers often ask you to produce much more information about your driving record. However, Mexican insurers will only ask a little about your driving record. In addition to the lump-sum liability limit, the Mexican auto insurance coverage will contain uninsured motorist and first-party medical insurance benefits.

However, you can add roadside assistance, rental car insurance, coverage to pay for plane tickets and other endorsements.

Auto Insurance Requirements for Driving

If you want to legally drive in Mexico, you must carry Mexican auto insurance. Liability coverage is mandatory. When someone is injured or killed in an accident, and you are at fault, the amount you are liable to pay depends on where you drive. LOne Mexican Mexican state's laws will differ from those conditions. The laws of the state will impact the cost of Mexican auto insurance.
  • Get a third-party liability damage coverage of at least $300,000. This is the possible payout for injury or fatality. No doubt it is more than the limits at home. It is well worth it.
  • Do some research before finding a Mexican insurance company. Compare and then purchase Mexican car insurance.