Review of Mexican Auto, RV, Motorhome, Motorcycle Insurance Companies
Mexican Car, Motorhome, RV, Motorcycle insurance companies for Mexico, Central America
It is foolish not to buy auto, RV or motorcycle insurance from a Mexican company to drive in Mexico. I hope my reviews of what makes dependable Mexican auto insurance companies will help you decide where to get your Mexico or Central America auto, motorhome, RV or motorcycle insurance.
I was young and foolish (and cheap) once. I drove all through Mexico and much of Central America without insurance. I had an accident on 300 miles from the border on the return trip. I do not recommend that kind of adventure to anyone. Please, get Mexican insurance.
Many Mexican insurance companies offer to pay me to recommend their insurance, but I know and trust the Mexico insurance agents I recommend. Frankly, there are only half a dozen main Mexican insurance carriers. There are hundreds of US agents selling the same companies. I worked in the Mexican auto insurance business. I've seen a few Mexican insurance companies and a lot of US agents come and go. Good claims service is the mark of a good Mexico insurance company. These Mexican insurance companies have claims service I trust for my own vehicles.
You see the statement that "Mexico requires automobile insurance" on numerous web sites. Honestly, that is not true. I want you to get insurance, but I also want to tell you the truth. Mexico is one of 4 countries in this hemisphere that do not require auto liability insurance nationally. It is absolutely stupid to drive without insurance, but if you want to be stupid that is your right. However, I have heard (but not verified) that various enlightened Mexican states do require auto insurance, so why take the chance?
The short version -- if you don't want to read my Sherlockian reasoning about what makes a good Mexican insurance company, and why these Mexico auto, RV, motorcycle insurance companies are best, just click their names and buy a policy with assurance. Otherwise read on.
Nelson Insurance Agency for RV's, cars, trailers, or motorcycles driving anywhere in Mexico besides Sonora. The owner will talk with policyholders about driving in general. New rates makes Nelson International Insurance competitive with the least expensive auto, RV, motorhome or trailer insurance
Ajo Mexican Insurance for cars, RV's, trailers, and motorcycles driving only in Sonora.
You will find several different products relating to driving in Mexico (maps, road logs, travelogues or roadlogs) on my shopping cart, as well as a description of my trip-planning services to help you get the most out of a driving trip to Mexico.
Buyer Beware
I won't say negative things about other Mexican insurance companies, but the most expensive ones aren't worth what they charge. The cheapest ones are worth what you pay -- except companies that specialize in only one area of Mexico, like Sonora or Baja. They may be cheapest and still good. There are some really inexpensive Baja only policies that are reputable, but I don't personally know the agents, so don't recommend them. If Baja is the only place you are driving, my recommendations will be right for you. If you're driving in Sonora or anywhere else in Mexico, I stand by the quality and price of the companies I recommend.
Cheap insurance will generally have a $25,000 or $50,000 liability limit. That was good enough in the 1980's, but not in the 21st century. If you hit a vehicle worth $30,000, $40,000 or $50,000, that does not leave much room for coverage, does it? Make sure you are comparing apples to apples when you compare Mexican insurance policies. You want either $100,000 CSL or $150,000 CSL to be safe. Do not wimp out on your insurance premium. Save money somewhere else.
Trustworthy vehicle insurance for your drive to Mexico is priceless. Peace of mind while driving in Mexico is the most important piece of luggage to pack. These US insurance agents all represent first-class Mexican auto, RV, motorcycle and motorhome insurance companies. I know the owners of these Mexican insurance companies. Price is not the only factor to consider when buying Mexican auto, RV, motorhome insurance for driving to Mexico. I have driven to Mexico with these Mexican insurance companies, and others. These Mexico auto insurance agencies will treat you right. I make a commission from them, but have turned down other Mexican insurance companies because I did not trust them. So my reviews are honest.
Nelson Insurance Agency, based in McAllen, TX has very competitively-priced Mexican short-term (less than 6 months) or long-term (6 months to a year) vehicle insurance for cars, RV or motorhomes, trailers and motorcycles. This Mexico insurance agency recently (June 2010) lowered their rates and are now just as inexpensive as any reliable Mexico insurance company.
Nelson Insurance offers you an intangible - peace of mind - from having someone to talk to on the phone or via email about driving in Mexico. This Mexican insurance company offers a lot more than they charge for a driving in Mexico insurance policy. Charles won't plan a mile-by-mile trip for you (that's my job), but he will give you plenty of general information and road conditions so you can find direct or scenic routes and avoid bad roads.
The owner, Charles Nelson (no relation), has actually driven throughout Mexico and can answer general questions about driving in Mexico on the phone, or via email, before you buy a policy. That's the kind of company he runs. How much is it worth to you to get reassurance about your trip? If you are driving to Central America, he works with the only Central American insurance company there is. For Central American auto or RV insurance, you will have to call him. Tell him "Mexico" Mike sent you. I've recommended hundreds of drivers to him over the years. I trust his insurance for my own vehicles. Enough said. Many missionaries and expats swear (nicely) by the quality of his claims service and are repeat customers.
Ajo Mexican Insurance, based in Ajo AZ, is the most dependable and least expensive Mexican vehicle insurance (auto, motorhome, trailer, motorcycle) if you are driving in Sonora state. The now offer a policy for driving anywhere in Mexico, but mainly their customers drive to Rocky Point, San Carlos or elsewhere in Sonora state. I have also used their insurance for my own vehicle, so you can believe me when I say they are dependable.