Why You Shouldn't Buy Mexican Car Insurance at the Border

If you’re driving south of the U.S., you may find yourself tempted to buy Mexican rental car insurance at the border. After all, it may seem convenient and easy to buy a policy right there, whether you’re getting one for a rented vehicle or your personal one. 

But is it worth the risk? Before you make a quick and potentially wrong decision at the border, let’s take a closer look at why buying your policy at the border may not be your best bet and why these policies are so important to begin with.

Do I have to buy Mexican car insurance?

When traveling to a foreign country, it’s important to understand their coverage laws, as they won’t be the same as in the U.S. In Mexico, all drivers are required to purchase a policy for any vehicle that is driven across the border. No matter if you're renting or driving your own vehicle, you must purchase a policy from an approved insurer in order to legally drive across this country. 

This type of policy will cover accidents, damage or theft while your vehicle is there as well as provide coverage for medical bills and liability associated with any accidents you may be involved in. Therefore, it’s essential to have a valid policy so that your stay abroad is safe and enjoyable. Just make sure to get a full coverage policy instead of a liability policy, as it will provide better coverage.

Can you buy Mexican car insurance at the border?

You will likely be able to get a policy at the border if that’s what you want. However, you should consider if that’s truly the best choice for your safety and your finances. Let’s take a closer look at why these policies may be unreliable.

The Cost of Buying a Policy at the Border 

Buying a policy at the border may be convenient, but it comes with an added cost. The agents who sell this type of policy tend to overcharge because they know that many people may be desperate to get coverage and will likely pay whatever price is asked. That means if you buy your policy at the border, you could end up paying as much as double what you would pay for a comparable policy purchased in advance before leaving for your trip. 

Additionally, some of these policies are sold on commission, meaning that the agents selling the policies have the incentive to push certain policies over others, even if they don’t meet your needs or provide adequate coverage. That’s why it’s best to take care of the policy in advance and avoid getting into this situation.

The Benefits of Buying Online in Advance 

Buying in advance before crossing the border, whether online or in person, gives travelers more freedom and flexibility. Shopping online, for example, allows you to compare prices and read reviews from other customers who have used the same provider in the past. That way, you can make sure that the coverage included in your policy is exactly what you need and that it won’t break your budget either. 

Where can I find a reliable provider of Mexican rental car insurance near me?

If you want to avoid paying more than you need to and to ensure that your policy will cover you and your vehicle in case of an accident, theft, or any kind of complication, look no further than Oscar Padilla Mexican Insurance. With decades of experience under our belts, we’re more than equipped to provide you with a reliable, full-coverage policy at a reasonable price. 

You can go visit Palenque and all the other landmarks you’ve planned to see with peace of mind, knowing that you’re covered in case anything unforeseen happens. Reach out to us today and let’s find a policy that works for you!