Who says you must stick to U.S. states when venturing out on a road trip? With Phoenix just a stone’s throw from our Southern border, you could be exploring the sights of a whole new country in a little over two hours. Whether you are visiting loved ones, viewing the architecture of Chichen Itza, or vacationing in a coastal town, make sure you and your vehicle are adequately insured against potential damages and loss. Since U.S. auto insurance does not generally extend into Mexico, that means contacting Honor Insurance to get a Mexico insurance policy that can help protect you against financial liability, provide you with emergency assistance, and ensure you have coverage for vehicle repairs right here in the U.S.
Understanding Mexican Car Insurance Coverage
It doesn’t matter how long you plan to be across the border, whether a day or a month, you need car insurance for the totality of your foreign visit. When you purchase coverage through Honor insurance, you can trust that you are getting protection from a reputable Mexico insurance company that will provide you with your settlement in U.S. dollars – not pesos. That means you can get your car repaired while you are still over the border or wait until you get back to the states instead.
The insurance coverage included in your Mexico car insurance policy will probably be very similar to those included in your U.S. policy. This could include coverage for:
The same way Arizona law requires you to have liability insurance to operate a vehicle in our great state, Mexican law requires liability coverage, too. Whereas the penalties for driving uninsured in the U.S. are often fines or license suspension, the consequences for doing so in Mexico could be jail time – especially if you do not have the money to pay for the damages right away. In fact, you could be jailed even if you do have liability insurance in the event you purchase too little protection to cover your financial responsibility. That is why we recommend purchasing high-limit protection that will better safeguard you against potential liabilities if you are at-fault for an accident.
Collision insurance is coverage for your personal vehicle while traveling in Mexico. While the toll roads are typically well-lit and maintained, other roads can be treacherous, with few or no street lights, traffic signals, or signs. The few traffic laws that do exist are often poorly enforced – especially in rural areas. In addition, you may find that poorly maintained roads contain massive potholes that are big enough to cause collision damage to your vehicle. Add in the fact that you may be traveling roads that are unfamiliar to you, and it’s easy to see why collision risks are higher over the Southern border.
To avoid getting into a sticky situation, try to drive only during the daytime, and stay on toll roads when possible. We also recommend abstaining from any and all alcohol before driving, as operating a vehicle with even a small blood alcohol level could invalidate your insurance protection.
A well-maintained and expensive car could look like payday to opportunist thieves in Mexico. Since car theft risk is intensified in certain areas of Mexico, makes sure your car insurance includes coverage for theft. You can also take steps to deter thieves or lower your risk by keeping your doors locked and choosing to drive an older-model, low-cost vehicle instead of a flashy new one.
Car accidents often result in injuries. If you are a victim of a car accident – whether your fault or someone else’s – medical payments coverage can help provide limited payment for essential medical expenses, allowing you to get the immediate care you need with less out-of-pocket costs.
Despite laws requiring liability coverage, many Mexican drivers are uninsured. With uninsured motorist coverage, you can file claims for your own injuries against your own insurance policy when an at-fault driver does not have the means to pay for your damages.
There’s nothing quite like being stranded on the side of the road in a foreign country – especially if you do not know any of the locals. If your vehicle breaks down or you need special assistance for some other issue, such as a flat tire, roadside assistance coverage may help cover the cost of getting the help you need. Before you travel, we recommend making a note of Mexico’s emergency helpline that you can reach by dialing 0-6-6.
Mexico’s legal system is different from that of the U.S. If authorities arrest or detain you, legal assistance coverage may be able to provide help so that you can prove your ability to pay for damages and avoid potential jail time.
Mexico Insurance Quotes in Arizona
Why cross your fingers that you won’t have an accident or that you will have the personal finances to pay for damages that occur during your visit to Mexico? At Honor Insurance, we don’t take risks with your insurance protection. Instead, we help you build a personalized Mexico insurance policy that can help you feel confident in your coverage during your foreign visit. Whether hit another car at an intersection or your car is stolen from a roadside hotel, having the right insurance can assure you have minimal costs for the damages.
If you are planning a drive to Mexico, let Honor Insurance give you a quote on the coverage you need. When you call us, be ready to provide us with:
- Your vehicle’s registration
- Your license plate
- Your VIN number
- Your current U.S. insurance information
- The dates you plan to visit Mexico
- The make, model, and year of your vehicle
Based on that information, we can offer you quotes and offer tips for making your premiums more affordable without sacrificing the quality of your coverage.
For more information or to request your free quotes, contact Honor Insurance today.