What You Need to Know about Buying Mexican Auto Insurance in San Diego

If you live in San Diego or are just visiting, taking a trip south of the border is a convenient and easy way to visit popular tourist attractions in Baja California. The border is less than an hour away and traveling by auto has many advantages. You can choose your own route and explore the country’s natural wonders, vibrant culture and rich history.

You may have already put some extraordinary places on your travel bucket list. You have probably made a checklist to get ready for your road trip. There is one high-priority task that you shouldn’t forget to put on your to-do list: you need to buy Mexican car insurance to travel at ease.

Here’s what you need to know to prepare yourself for safe driving during your trip south.

It's necessary to buy Mexican car insurance

According to Mexican law, you have certain liability as a driver in case of an accident. You have to prove your financial responsibility to the authorities. If you are involved in a car accident, you must have valid Mexican auto insurance or enough real currency to cover the damage.

It’s important to know that their authorities do not recognize American policies. Your policy purchased in San Diego may be suitable for the U.S., but it won’t be recognized as valid car insurance in Mexico.

Don’t risk crossing the San Ysidro border without the proper Mexican auto insurance for your vehicle. Avoid being stuck with the bill in the event of an accident and equip yourself with auto insurance for Mexico while you’re still in San Diego, on U.S. soil.

Information that you need for buying Mexico auto insurance

In order to buy Mexico auto insurance through one of the licensed Mexican insurance companies in San Diego, you need to provide a valid driver’s license number, your current license plate number, as well as the year and make of your vehicle.

You will need to set the start and end date and time of coverage. Your insurance for Mexico should cover the whole journey until you get back to the U.S. You also need to provide information on whether you’ll be towing something and what.

It isn’t necessary to name each driver on the policy but you should name the registered owner of the vehicle. However, if the owner won’t be accompanying the vehicle to the country, you need to name the primary driver or someone who is likely to always be with the vehicle.

Also, if your vehicle is financed or leased in the U.S., you should know that the leasing companies may have different procedures for granting you permission to cross the border with their vehicle. Therefore, before buying Mexican car insurance, you need to check with your leasing company or lien holder to get their permission.

Frequently Asked Questions

How much does Mexican liability insurance cost?

The price of the policy depends on the length of your stay and the type of your car. Read More

You can work with an experienced provider of Mexican car insurance in San Diego and come up with an optimal policy for your needs.

Does my U.S. insurance cover me in Mexico?

Policies bought in the U.S. are typically only valid on U.S. soil. Read More

You can, however, buy Mexican auto insurance that’s valid south of the border while you’re still in San Diego, San Ysidro, or another U.S. city.

Can you buy Mexican insurance at the border?

While buying a policy at the border is possible, it’s usually not recommended. Read More

Policies sold at the border are typically significantly more expensive than policies you can buy in advance. In addition, the providers at the border may rush the process, meaning that there’s a risk of not getting a policy with the coverage that suits your needs.

What is the minimum liability insurance in Mexico?

A recommended minimum for liability coverage is at least $300,000. Read More

. If a provider recommends you get a cheaper deal, they’re likely trying to sell you an incomplete or invalid policy.

Buy your policy from one of the best Mexican insurance companies in San Diego

Insurance is important in Mexico. The easiest way to get it is to contact an authorized provider of Mexican car insurance that’s located somewhere near you in San Diego. Read More

You can also visit Oscar Padilla Mexican Insurance website to get a free quote and purchase your policy online at an affordable rate.

Our online system is user-friendly so you’ll be able to print your policy in minutes. You can discuss any questions or concerns about the policy with our experienced and well-informed staff. Rest assured that your Mexican auto insurance policy will protect you, you can move on to the next thing on your road trip checklist.

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