tips about insurance: Tourist Auto Insurance

Congratulations - you've started an exciting road trip adventure to Mexico. You have your vehicle tuned and all your gear packed, and now it's time to buy a Mexican tourist auto insurance. Your Mexican auto insurance decision is likely to be the most important decision you make, but unfortunately it is often one of the most rushed and least explored the decisions that many travelers do in Mexico. Do not make the mistake of assuming that all the Mexican insurance is the same as insurance coverage and benefits gap can vary extremely between Mexico insurance companies. While researching insurance coverage is not very exciting for most people, this article will show you how 5 to 10 minutes research on the web can save you thousands of dollars and many frustrating hours, if you were to really need to use your insurance to pay for losses in Mexico.

Use the Internet to quote and buy Mexican tourist auto insurance

Most Mexican auto insurance is now purchased directly from the Internet. There are web sites that sell Mexico Insurance number, and buy your insurance from the Internet makes much more sense to the customer. Would you rather wait until the last minute to buy insurance at the border, or you want to buy insurance from the convenience of your computer before you leave for your trip to Mexico? Most customers prefer to get their insurance taken care of ahead of time.

The best website to buy your insurance from Mexico are the ones that offer a number of insurance companies in Mexico. This allows you to do comparison shopping on one website, and not to fill a number of quotations form of Web sites. One good Mexican insurance home insurance comparison to the rater will save you a lot of time and confusion.

Which websites can be trusted?

Before getting your insurance quote, be sure to look for a valid certificate of insurance and contact information. Also, you can search for "surplus Lines Broker 'license number. Surplus lines broker insurance broker who has a direct contract with the Mexican insurance companies and is licensed to sell foreign insurance coverage in the United States. Surplus lines broker license is a good sign that the site is run by a company that specializes in insurance for Mexico. If insurance is not licensed surplus lines broker's license, which means houses will most likely run the insurance agent who sold the surplus lines broker. This website does not mean products are not suitable, but you may not get the same level of customer service as you from a surplus lines agent who specializes in full Mexican insurance. You can also search the Better Business Bureau and a list of some Internet safety approval sort, like Hacker Safe or Secure McAfee to ensure that your information will be safe during your online transaction.

Mexico to seek insurance coverage

Once you have selected a website that sells Mexico tourist auto insurance, you will fill fast insurance quote form. Minute, you should be able to get the price down and begin to explore the benefits offered by insurance products. Remember, it will be much faster and streamline the process if you use a website that offers a number of competing insurance companies all under one quote system (comparative quote rater).

Look for the chart below or above the price of insurance that clearly explains exactly what Mexico insurance limits are and what is actually covered. In this diagram, you want to view in the following categories:

Deductions: The best Mexican insurance policies offer fixed deductibles, which means the deduction will be locked at a fixed amount, regardless of what your vehicle's value. Some cheaper policies will take deductions for the percentage of the value of the vehicle. When the vehicle is worth less than $ 20,000, a percentage deduction may be fine, but when the value of the vehicle, stand up $ 30,000 range or more, the share of deductions can get very high. If the website does not list specific deductions, you should not use this website!

U.S. labor rates repair Made in the USA or Canada: In the old days, most Mexican auto insurance companies tried to make customers to repair their vehicles in Mexico. Repair in Mexico, not U.S., are often much cheaper than the Mexican insurance companies and many customers did not want to leave your car in Mexico, so the company got out to pay these claims. Today, many more Mexican insurance programs allow you to fix your vehicle in the U.S. or Canada, if you wish. The catch is that some of the cheaper Mexican insurance program will pay only a limited hourly labor rate for repairs made in the USA (some as low $ 20 per hour). This means the client would pay the difference in hourly rates of their own pockets. The best Mexican insurance programs will pay a very high U.S. labor rates, for example, hourly, or declare that they will pay whatever the current U.S. hourly labor rate is $ 70. These policies can significantly reduce your out of pocket expenses if the claims. If Mexico Insurance website is not required if repairs the United States, authorized or hourly rate, do not use this website to buy Mexican insurance!

Vandalism and Partial Theft Coverage: Vandalism and theft of part (which means only a part of the car is stolen, for example, tires, door panels, etc.) are not covered by standard auto insurance in Mexico. In recent years, higher-quality Mexican insurance programs have begun to offer this coverage to their extended coverage program. If you want to protect themselves against so many types of loss as much as possible, you should look for this coverage.

Limits of liability: This is part of a Mexican insurance policy that pays for damage you cause to third parties. This coverage is important when traveling in Mexico. Most people in the industry believe that $ 50,000 worth of liability insurance, is probably the minimum you should consider. Some of the best Mexican insurance program goes up to $ 300,000 combined single limit (one-off payment for property damage or personal injury compensation), but it will also increase insurance premiums. Some customers want to take those higher limits work in tandem with the U.S. umbrella liability policy. You can ask your U.S. insurance provider if your roof will be recognized by your insurance Mexico car insurance as the main coating.

Medical Payments: This is part of a Mexican insurance policy that pays for medical costs for you and your passengers (people inside your vehicle). One person with a total per accident $ 10,000 $ 2,000 is the bottom line, you should consider, but many policies offer much higher limits. Some of the better policy to increase this amount if you are hit by an uninsured motorist who is at fault. You can check with your U.S. or Canadian health insurance provider to make sure that they will cover you for medical expenses incurred while traveling in Mexico. If not, you may also want to research for international health insurance plan - but that's another subject.

Legal Service: Make sure your Mexico insurance is a legal services or legal aid. This coverage will pay for any court costs, attorneys' fees, charges or bail, stemming from a traffic accident in Mexico. The service also sent a legal representative hold your hand through any legal procedures. This cover is absolutely necessary, therefore, did not purchase Mexico auto insurance, which is not included in this coverage!

Road Assistance: Most of the better Mexican insurance companies will have some level of assistance on the road, which will cover the costs of towing, flat tires, a locksmith, and other services. This is great coverage, so make sure that this is included in your Mexico insurance policy.

Medical evacuation: How the Mexican insurance market becomes more competitive, many carriers are now merging in Mexico is extra special coverages to make their products stand out. If medical evacuation is automatically included with your Mexico auto insurance, it is an incredible value and convenience. This coating will coordinate and pay for air or land ambulance services, if "a grave illness or injury." This means life-threatening or very serious illness or injury. Purchasing a medical evacuation program on your own, it will often cost hundreds of dollars a year, and can often be a lot of restrictions. Quality of Mexico auto insurance program that comes with medical evacuation coverage, usually covering a number of people in your group will automatically travel to four or more people. Be sure to look for, how many people are covered by medical evacuation. If the number of people not listed insurance quote information, you can assume that the medical evacuation may be subject only to the driver. Other websites exist specifically for 4 or more people traveling in your group, so it is highly recommended that you search for web sites that offer this broader medical evacuation coverage.

Plane Tickets Home: Another great benefit that many of the better Mexican insurance websites that offer a plane ticket home if your car is stolen or not drivable. This can save you thousands of dollars and reduce the nightmare need to coordinate their transport back to your home from Mexico. If this benefit is offered, be sure to see how many people's policy will provide plane tickets home. If a plane ticket home does not indicate whether the website does not specify how many people to whom you check that other site. Some websites do offer coverage for four people or more in your travel group.

When in doubt, call a web customer service phone lines

Mexico Insurance reputable website will encourage you to call your customer service department if you have any questions about the Mexican insurance. If no one answers the phone or do not call you back within minutes (during business hours), you may not want to buy insurance from this website! Most of Mexico home insurance is like ATM machines. Home is there for your convenience if you want to write the policy yourself, but you are also welcome to call the web customer service insurance agents and agents to write policies for you over the phone.

If you examine each of these insurance coverages and website functions while shopping for Mexican auto insurance online, you are guaranteed to buy the best insurance for your situation. Five to ten minutes of research could save you thousands of dollars and hours, if not weeks, headache, if you need to file insurance claims in Mexico. Be safe and have fun in Mexico!

tips about insurance

Friday, August 19, 2011

Tourist Auto Insurance

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