So you're going to be driving in Mexico and you're wondering whether you need special insurance or whether your current insurance will be enough. The answer is; you need insurance. In Mexico there are different laws about car insurance and different insurance standards. Rather than take a risk with your insurance company your best choice is to buy custom Mexico car insurance.

Before you buy Mexico car insurance you should, of course, check with your current insurance company. Some American insurance companies do cover a limited amount of Mexico car insurance; however, you will still need to buy additional coverage. Almost no Canadian insurance companies offer even limited Mexico car insurance.

In Mexico , the minimum insurance coverage you must carry is called Civil Liability Insurance. This insurance is designed to protect you if you cause injury to third parties. Although some Mexico car insurance companies offer lower premiums you should purchase at least $100 000 US of liability insurance for your trip to Mexico . You can raise most premiums to this amount for only a slightly increased fee.

When choosing your Mexico car insurance policy you should be on the look out for split coverage limits. In some cases the per person, bodily injury, or physical damage limits are different. This arrangement could leave you with a gap in your insurance coverage. Instead, you should select an overall coverage limit for your insurance policy.

It is possible to buy Mexico car insurance spanning many different time periods; however, if you plan to travel in Mexico for more than 25 days it would be more economical to buy a six month or a year long car insurance policy than it would be to buy a policy for a specific set of dates. A year long car insurance policy for Mexico can be purchased for about $180 US. The basic insurance policy packages are increased based on the value of the car you will be driving while in Mexico . Thus, it will be cheaper to drive a Honda Civic in Mexico than it will to drive a BMW. The cost of car insurance in Mexico is calculated based on the actual cash value of the car you will be driving.

In addition to the basic insurance services, there are certain car insurance extras you should look for in your Mexico insurance package. Because dealing with foreign authorities can be difficult (if only because of language gaps) it is useful to have Bond and Legal Assistance as part of your Mexico car insurance package. This extra will provide you with assistance when dealing with the authorities or when trying to make a claim after an accident. The second extra that travelers often find useful in Mexico is Travel Assistance. Travel Assistance provides towing and tourist information to travelers while in Mexico .

In general the cost of Mexico car insurance is minor compared to the peace of mind that comes from knowing that you are protected in case of accident. As the old saying goes, it is better to be safe than sorry.