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Get Mexico Auto Insurance To Take That Trip of a Lifetime

If you’re planning on spending any amount of time in Mexico then you are going to need special Mexico auto insurance. This is a whole different ball game than what we are used to in our country so be prepared for a different type of driving also. Driving in Mexico is very hectic and drivers often bump into you at stoplights and intersections. There is also the danger of having your car stolen while you are in Mexico, especially if you are diving through small towns. Your general car insurance only covers you for about 25 miles inside the Mexican border, so you do need to inquire about Mexico car insurance.

Any car insurance you’ve carried before now doesn’t mean a thing in Mexico. The minimum insurance required in Mexico is civil liability insurance, which covers you in case you cause injury or damage while you’re there. This is why you have to apply for Mexico car insurance.

If you are only going to be in Mexico, for about six months then you can apply for short term Mexico auto insurance. If you are renting a car, check with your credit card because they usually provide auto insurance in this case, but it is advised that you purchase the Mexico car insurance anyway. If you get into an accident you may not be able to leave the country until the damage is paid for.

There are some things you have to do to get your car into Mexico. You’ll need a tourist card and a temporary vehicle importation permit that you can get at the border. There are some documents that you will have to show such as proof of car ownership, proof of registration, affidavits from any liens, an American driver’s license, and proof of citizenship. If your car insurance company doesn’t issue Mexico car insurance, you can purchase it when you cross the border.

If you don’t want to have to use your Mexico car insurance right away then you have to avoid driving at night. Road fatalities are three times greater at this time. There are lots of cars without taillights that could cause you to use your auto insurance before you want to. You will find that there are very few overhead lights in the small towns to help you, meaning you can’t see the numerous pot holes that are there. This could cause you to a have an accident where you would have to use your short term Mexico car insurance and you want to avoid this if at all possible. Enjoy your stay in Mexico but keep in mind you are in another country and what you have learned about traffic in your lifetime does not always apply here.

If you plan to go to Mexico you definitely need Mexico auto insurance.

Why Do I Need Auto Insurance? Is It Really Important?

In the United States, the law mandates to have auto insurance on any vehicle an individual drives. Today, there are several car insurance providers offering different types of car insurance policies. Each car insurance company offers custom made insurance policies with a coverage, which matches today’s industry needs. Therefore while choosing an car insurance policy you need to find an insurance provider that can offer you one which best fits your needs.

One of the main things you need to check while selecting an insurance policy is the coverage it offers. Whichever insurance policy you select, you need to pay some amount of money every month. The amount purely depends on the type of insurance coverage you selected for your vehicle. Let us have a look on the main types of car insurance policies vogue in the insurance market.

One of the main types of auto insurance policy offered by all insurance companies is the liability insurance. It is one of the lowest insurance coverage one can take. According to liability insurance policies, the insurance company provides protection upon a third party’s property or body to an early specified amount, if any accident has occurred while the insured is driving the vehicle. The liability insurance policy will not provide any protection for you or your vehicle, and if any expense occurred you have to pay it from your pocket. Keep in mind that once you have made any claim, your insurance company may cut off your no claim bonus and raise your monthly payments also.

Full Insurance is another common type of insurance policy. Full insurance, as the name implies, offers complete coverage for both the parties involved in an accident. The monthly payment of full insurance policy is generally based on the type and model of your vehicle. That is, if you are using a standard vehicle then the amount will be lower, on the other hand, if you are using a highly expensive car then you need to pay huge amounts for monthly payments. Full insurance would cover up to either the stated amount or the actual cost of repairs, less stated deductibles, when the insured vehicle is involved in any accident.

Whichever car insurance policy you are going to choose, it is better on your part to make a research of the numerous auto insurance companies to know the various insurance policies offered by them. You can also apply for an online insurance quotes from various insurance providers and compare the monthly payments and other fees related with the policy. Selecting a good auto insurance policy will provide you with maximum coverage and peace of mind.

What You Need To Know About Home Based Business Auto Insurance

When purchasing home based business insurance, auto insurance should not be overlooked, nor should you assume your personal car insurance is sufficient as home based business car insurance. Even if it is, it’s important to know how, when, and to what extent it applies to your home business.

Depending on your business activities, a commercial home based business car insurance policy may be necessary, particularly if you have employees. For the most part, both personal and commercial car insurance are the same with regard to the main types of coverage, but finding the cheapest car insurance rates for either means pinning down your specific needs.

Personal Or Commercial Coverage?

For the home based business, home based business car insurance may not be necessary, and a personal car insurance policy might be sufficient. It is important, in that case, that the policy holder inform his or her auto insurance company that the personal auto is sometimes used in business, and, should the vehicle be in an accident or be damaged, it is essential that the claim state the vehicle was being used for business at that time.

The car insurance provider may require commercial car insurance, however, particularly if your home based business has employees that use owned or leased company vehicles or personal vehicles for business purposes.

Choose A Well Rated Vehicle To Keep Premiums Down

Car insurance for both commercial and personal vehicle use are affected by the choice of the vehicle. If used more for business than for the family car, the owner of a home business should choose an auto that carries one of the cheapest car rates because, in the eyes of auto insurance companies, it is less expensive to buy or repair, is stolen less often, or has more standard safety and security equipment.

Listings of the cheapest car rates can be found at state insurance agency websites.