Mexican Auto Insurance 101—What You Need to Know Before Hitting the Road

 Are you an American or Canadian planning a drive to Mexico or an expat living there? If so, you should know that driving down Mexican roads is very different from what you are used to back home, and you will need a separate Mexico auto insurance policy to ensure your trip goes as smoothly as possible. Here's what you need to know about staying safe (and on the right side of the law) on your Mexico road trip.

#1: Be completely aware of your surroundings

You must follow the local rules when driving in Mexico, as well as adapt to a completely different driving culture. You might find the speed limits, signs, and lights unfamiliar and strange. So, stay alert and brush up on Mexican road rules before you cross the border.

#2: Stick to the toll roads

The Department of State recommends sticking to toll roads (or "cuotas") when driving in Mexico as these are safer and in better conditions. Additionally, if you need help (like if you want to call emergency or police services), you are more likely to get it on these roads, especially outside the big cities.

#3: Learn the different road elements

Prepare for the unique challenges of Mexican roads. Watch out for unmarked speed bumps (or "topes"), avoid potholes, and learn the "return system" for highway exits. 

#4: Drive during daylight

Make it a point to only drive in Mexico during daylight hours. It's safer and easier, especially in less populated areas where you will find few police and emergency services around. 

#5: Figure out the turn signals

Mexican turn signals can be confusing. On the highway, a left turn signal from the driver ahead might mean it's safe to pass. Keep your eyes open and you will understand the road language in no time.

#6: Know about driving on the shoulder

Sometimes, Mexican drivers will enter your lane to overtake. It's common practice there to drive on the shoulder to let them through. This might feel strange at first, but you will get used to it.

#7: Expect to communicate with the US Customs

If you are driving back to the US, you will have to stop at customs. Declare your Mexican purchases there. Also, check the US Customs and Border Protection website for prohibited and restricted items you can't bring to the US.

#8: Purchase a Mexico auto insurance policy

Your regular US car insurance will not work in Mexico. You need a separate Mexico auto insurance policy. This is your "proof of financial responsibility" in Mexico. It ensures you have the financial means to cover the damages resulting from a car accident.

Get your Mexico auto insurance quote today!

Preparing for driving in Mexico ensures you know exactly what to expect while driving in Mexico. And if you are looking for long-term or short-term insurance coverage options, contact West Coast Global Insurance Services. We can connect you with top-rated Mexican insurance companies. We make comparing policies easy, so you can find one right for what you need and how much you want to spend. Don't wait for the unexpected to happen—click here for a free quote, or visit www.westcoastri.com for more information!

 

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