First thing first, your US auto insurance policy won’t cover your car anywhere in Mexico. In order to be covered while driving on Mexican roads, you need to buy a separate Mexico tourist auto insurance policy.
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GEICO Mexico Insurance
GEICO is the perfect choice for such occasions. In fact, GEICO work with highly rated Mexican insurance companies like Grupo Nacional Provincial and El Aguila Compania de Seguros to secure their policyholders even in Mexico.
About GEICO
The Government Employees Insurance Company, known as GEICO, is an American auto insurance company located in Chevy Chase, Maryland.
GEICO was founded 85 years ago in 1936, and it is the second-largest auto insurer company in the United States.
GEICO is ranked second in the United States for customer and claims satisfaction.
GEICO is a good car insurance company for all kinds of drivers. GEICO is one of the cheapest car insurers in the U.S. and is ranked second most affordable car insurance company, and it manages to keep premiums low while offering good customer service.
According to a geico.com review, GEICO received 4.5 stars, and 88% of reviewers would recommend GEICO insurance to a friend.
GEICO Mexico car insurance
GEICO is always there to lend a hand and help the policyholders that want to go to Mexico. Since your US car insurance will not cover you in Mexico, GEICO designed a Mexico auto insurance policy with flexible options, so everyone can take advantage of them.
GEICO considered daily policies for people who will drive there for one day and back, and six months and annual policies for those who would like to stay in Mexico for a while.
What will you need in a Mexico car insurance policy?
Before you start taking a Mexican car insurance quote, have the following information ready because GEICO is going to want them:
- US auto insurance policy number.
- Dates you’ll be traveling in Mexico.
- Where in Mexico you’ll be traveling.
If you’re driving your own vehicle, you must also prepare:
- Make, model, year, and current market value for the vehicle
- Vehicle identification number (VIN)*
- License plate number
* A 17-digit number assigned to each vehicle manufactured in the United States after 1980. This number is used for identification purposes and is visible on the dashboard when viewed from the outside of the vehicle.
Customize your Mexico auto insurance policy by GEICO
GEICO lets you choose the policy that you think is right for you, and you can buy it online. There is very tense competition in prices between the insurance companies who offer Mexico auto insurance, and GEICO is right there in the competition with standard or extended coverage options.
GEICO provides the following coverages in their Mexico car insurance:
- Liability
- Vandalism
- Partial Theft
- Physical damage
- Medical Payments
- Emergency Roadside Assistance
It is also notable that GEICO Mexico insurance policies are issued by a fully-licensed US Insurance Broker, International Insurance Group, Inc., who issues over 100,000 Mexico auto policies each year.
Coverage Options
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Third Party Liability:
Liability covers other people’s vehicle repairs and medical bills after accidents that you were at fault. The costs of repairing any property damaged and the medical bills resulting from an accident are covered. GEICO offers it with up to $500,000 limits.
How Much Does Insurance Increase After an Accident ?
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Physical Damage:
Physical damage insurance refers to a series of insurance coverages designed to protect a vehicle. Generally speaking, physical damage includes both collision and comprehensive coverage.
The former insurance covers damages to your car arising from accidents, including rollovers and collisions with other objects.
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Theft:
Theft insurance covers burglary, robbery, etc., which means if your car got stolen, GEICO would cover your loss. The word “theft” here includes all acts of stealing, burglary, and generally illegally taking someone else’s property by force entry to a closed premise.
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Vandalism:
Vandalism insurance protects your car against losses that occurred as a result of vandals. So, if your vehicle got vandalized in Mexico, GEICO will pay for repairs.
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Medical Payments:
Medical Payments Coverage, commonly known as MedPay, covers the accident-related medical expenses for you, your passengers, your household members, and other policyholders.
Note: The best thing is with GEICO; you can customize the mentioned coverages with low deductibles.
Service And Claims
So, how will your claims be handled, and who will give you service? The companies GEICO partnered up with?
No, GEICO’s Mexico insurance comes with a whole dedicated staff to handle your questions and claims.
If you need to file a claim, do it just before you leave Mexico. GEICO even allows you to choose which repair shop you want to take your vehicle back to the US.
Insuring a rental car in Mexico
You don’t want to take your own car down to Mexico? Fine by GEICO. They say:
“Getting rental car insurance in Mexico may be a bit hard. Don’t worry. We’re here to help you get prepared.”
Generally, you have two options for getting auto insurance when renting a car in Mexico; 1) getting the auto insurance through the car rental company, and 2) getting the auto insurance through your credit card company.
Mexican car insurance through the rental company
If you want to rent a car in Mexico, you can get car insurance through them as well. GEICO cannot help you here because most US auto insurers can only insure rentals with US license plates.
So, getting the insurance coverage you need in Mexico through the Mexican rental agency is usually the only option.
But there is something else we wanted to mention, and you don’t have to rent a car in Mexico; you can rent a vehicle in the US and drive it into Mexico, which changes the whole thing.
What is crucial to know here is that not all rental companies allow you to take their cars into Mexico, so before renting a car, ask the rental location first.
There are even some rental companies that only allow you to travel in specific areas of Mexico, so make sure you check with them to your exact location.
Also, some rental companies may charge you an additional fee or require you to purchase insurance through them. But if they didn’t, GEICO can help you with your insurance needs, just get in touch with them.
Mexican car insurance through your credit card company
Do you use Visa®, or MasterCard®, or American Express®, or Discover®? Did you know they also provide rental car coverage? It’s not just these credit card companies; other credit card companies offer rental coverage too, but you do have to check with them!!
So before you jump on and purchase insurance along with your rental car, call the number on the back of your credit card and ask them.
Just remember that if you want your credit card company to cover your rental, you must book the rental with that very card.
We insist on calling and checking with your credit card company before you enter the car rental place because some of them have additional requirements or even some credit card companies don’t even provide liability insurance (which is required in all states of the US), so confirm the details with your credit card company.
