Purchasing Mexican Car Insurance Online Vs. Buying At The Border
It's a necessity to purchase Mexican Car insurance before crossing the border on a road trip to Mexico
. Traditionally, those driving across the border would purchase Mexican auto insurance before reaching the border or at the border. This could be a quick process or a slow process depending on the agent, the number of people in front of you and the policy you purchased.In 1999, www.Mexpro.com was created and the world of online Mexican car insurance began. Since then it has become increasingly easier to purchase insurance from a top-rated Mexican insurance company than to purchase at the border. Here's why...
Time Savings & Ease Purchasing:
Mexican Car Insurance online takes five to 10 minutes. When you purchase a policy on the border you don't know how many people will be in line ahead of you, or how quickly the agent can serve you, and you certainly do not have time to investigate coverage, limits and the quality of the insurer and agent.
Insurance Quality:
A.M. Best rates insurance companies on financial stability, as well as many other factors related to their ability to pay out on a claim.
When you purchase online you can research whether or not a company is rated by A.M. Best. In the case of Mexpro.com - we share information on each of our companies A.M. Best ratings. When you purchase a policy at the border you do not know whether or not the company is rated by A.M. Best, and you may not know what experience the agent or broker has either.
Availability of Policy Information when Needed:
When you purchase an auto insurance policy for Mexico online, you will immediately be able to print copies of your policy to carry with you during your travel to Mexico. In addition, the details of your insurance policy are immediately available to authorities in Mexico. In the unfortunate event that you do get into an accident while in Mexico, you will need a copy of your policy. If you do not have proof of your insurance policy you could be taken to jail.
You will need to have an adjuster come to where the accident happened in order to make a claim. Having the details of your policy makes the entire process easier. Some Mexican car insurance companies are not available on weekends or holidays. You want to be positive the insurer you use will have personnel available whenever you need them.
When purchasing at the border the policy has to go through several steps before it is available electronically. The agent must mail it to the main office, which is usually in Mexico City. The mail must pass through customs before reaching the main office and then the main office must transfer the data into a computer.
How many quotes can you get at the border?
Depending on who you choose to do your online business with, you can get up to five quotes from different companies. You choose the quote that fits your needs and price qualifications.
When you purchase at the border you may not have multiple quote options.
What happens to your personal information?
Mexpro.com's online services are encrypted and your personal information is never stored.
At the border you cannot be sure what is done with your personal information.
What if you get into an accident?
If you have an accident it is imperative you stay at the scene of the accident. You must have a physical copy of your policy and it must be verified by the insurer. When you purchase electronically, your insurance information is immediately available to Mexican authorities.
If you purchase at the border do you know if your policy will be able to be verified? What if you have an accident over a Mexican holiday or weekend?
Price:
With an online policy with multiple quotes you can choose which policy is in your budget. At the border you may not have choices.
Claims:
Some carriers do not allow your vehicle to be repaired or replaced in the U.S Look for an insurer who offers U.S. style follow up auto servicing via toll free numbers and communication once you return to your home to the U.S. or Canada.
In conclusion, check your options carefully before deciding where to purchase your Mexican car insurance. In a pinch, an online service can offer a quick and dependable solution. Actually, it is the most dependable solution.
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