I'm sure this has been discussed, I tried to search 'insurance' but came up with a million topics.
What's the cheapest/best place to get mexico insurance? I normally go through AAA but as my toys have increased the price is getting a bit out of control. Which is fine if that company has good prices but I've never shopped it so not sure if they do have good prices or not.
I am going next week and you just reminded me to get insurance. I paid $41.43 for Friday at 1pm to Tuesday at 1pm. That was with my Costco discount that saved me $13.81 from the original quote. It comes with full coverage.
Loba, a friend over at guau guau's told me allstate covers you 60 miles into mexico.
Beware of bad advice, folks. Allstate and several other U.S. carriers do cover damage to your own vehicle while you're in Mexico, but they don't meet the requirement under Mexican law that you carry Mexican Liability insurance. Too many people come down here thinking they're covered and then cry rivers when they get in an accident and are detained, cars impounded, etc. Even if the accident is not your fault, you must prove that you carry the insurance that is required...and Allstate doesn't cut it.
I have a serious question for those of you who would rather buy at Costco than from my company, ProAlliance. Do you think it's that much cheaper? Have you even checked whether our prices are comparable? I pay taxes here in the community and have employees. I try to contribute to the community as much as possible. If you have an accident here, I am personally available 24/7 and come out personally to run interference...will Costco do that?
Many of the members here are clients of mine, and I appreciate ever one of them.
I go to Alejandro Portugal and find his service to be excellent. Buy on line and papers ready when you get there. No mater where you buy consider yearly. It does not take many trips to start to save money. Yearly is quite low compared to the daily rate.
Beware of bad advice, folks. Allstate and several other U.S. carriers do cover damage to your own vehicle while you're in Mexico, but they don't meet the requirement under Mexican law that you carry Mexican Liability insurance. Too many people come down here thinking they're covered and then cry rivers when they get in an accident and are detained, cars impounded, etc. Even if the accident is not your fault, you must prove that you carry the insurance that is required...and Allstate doesn't cut it.
I have a serious question for those of you who would rather buy at Costco than from my company, ProAlliance. Do you think it's that much cheaper? Have you even checked whether our prices are comparable? I pay taxes here in the community and have employees. I try to contribute to the community as much as possible. If you have an accident here, I am personally available 24/7 and come out personally to run interference...will Costco do that?
Many of the members here are clients of mine, and I appreciate ever one of them.
You're right Rosie...... Think of it as the "BUY LOCAL, SUPPORT LOCAL"....there's a similar "group" here in the Phoenix/AZ area.
The PERSONAL ATTENTION is worth any small difference in price :)
We went with Rosy and, fortunately, haven't needed to use our insurance and want to keep it that way. :) Have had an insurance agency of our own (mostly Annuities, Long Term Care, etc) in Arizona for years and we have a lot of clients that will tell you that having a good, caring agent is well worth it. Someone that is there for you 24/7. And Rosy is.
Before moving down checked our car insurance as it said it had coverage in Mexico - agent said that what it covered wasn't what you needed under Mexican law and not to rely on it. So we now have US and Mexican insurance. Mexican is much cheaper! Wish we could buy the US by the day - boy, would we save a lot of money.
PitiquitoRosy said:
Beware of bad advice, folks. Allstate and several other U.S. carriers do cover damage to your own vehicle while you're in Mexico, but they don't meet the requirement under Mexican law that you carry Mexican Liability insurance. Too many people come down here thinking they're covered and then cry rivers when they get in an accident and are detained, cars impounded, etc. Even if the accident is not your fault, you must prove that you carry the insurance that is required...and Allstate doesn't cut it.
I have a serious question for those of you who would rather buy at Costco than from my company, ProAlliance. Do you think it's that much cheaper? Have you even checked whether our prices are comparable? I pay taxes here in the community and have employees. I try to contribute to the community as much as possible. If you have an accident here, I am personally available 24/7 and come out personally to run interference...will Costco do that?
Many of the members here are clients of mine, and I appreciate ever one of them.
I didn't mean to offend you Rosie. I have searched and bought from several other companies and never seen Proalliance. I will check it out next time.
With Costco's insurance you can pay online and print out you insurance info also.
The cheapest quote from your site was $65. I paid $41 from Costco. You coming out at the time of the accident is a nice piece of mind.
That's why I always buy from Rosie now. The few extra dollars that it may cost is priceless to me knowing in the back of my mind that if something were to happen, I wouldn't be alone down there and just a policy number to some huge company. I've never met Rosie personally, but if I had a problem I've always felt that I could call and she could tell me who or where to go to for help, etc. That to me is worth it.
So Rosy, if I click on that link at the bottom of your last message I can apply right away and pay on line?
Do you cover a vehicle hauling wood outdoor furniture into Mexico? Do you need a seperate policy for a trailer?
Yep, follow the link to get several quotes, choose the one you like best, pay online and print your policy. The minute you purchase it, I get a copy in my email. That way, if you have a problem even before you get to Penasco, I already have a copy of your policy on hand and know what you're talking about when you call. And yes, the trailer is covered, but when you buy the policy it will ask if you're towing anything. Say yes, and then it'll be covered.
We sell annual "Driver's License Policies" that give you Liability coverage regardless what you're driving. Those always cover what you're towing as well.
I didn't mean to offend you Rosie. I have searched and bought from several other companies and never seen Proalliance. I will check it out next time.
With Costco's insurance you can pay online and print out your insurance info.
Oh, I'm not offended. Actually I appreciate the opportunity to find out what we can do to earn more business. As I said in my reply to Roberto, you can purchase online with us as well. A lot of our clients prefer to call the office and let Paty handle it for them, but it's just a matter of preference. Portugal is another local option, of course. He had the market pretty well sewn up when I opened ProAlliance 5 years ago, so I knew I'd have to build a reputation of excellent customer service.
Yep, follow the link to get several quotes, choose the one you like best, pay online and print your policy. The minute you purchase it, I get a copy in my email. That way, if you have a problem even before you get to Penasco, I already have a copy of your policy on hand and know what you're talking about when you call. And yes, the trailer is covered, but when you buy the policy it will ask if you're towing anything. Say yes, and then it'll be covered.
We sell annual "Driver's License Policies" that give you Liability coverage regardless what you're driving. Those always cover what you're towing as well.
Sorry, don't know if I was clear enough. You don't need a separate policy for the trailer.
WOW, I just call my auto agent and let him know and I get my papers on a fax or PDF to me.
Not to hard to get to Mexico.:cluck:
Be safe have fun.:gofish:
WOW, I just call my auto agent and let him know and I get my papers on a fax or PDF to me.
Not to hard to get to Mexico.:cluck:
Be safe have fun.:gofish:
I have done that with my agent who is a friend of mine and it was $89 through American Family. No more.
Just for reference again, Loba's statement about allstate is fact!!!
Technically fact, but when someone is asking about Mexican auto insurance, they need to know that the Allstate promise to repair their own vehicle once they return to the States, has nothing whatsoever to do with Mexico's requirement for Liability Coverage. You can think you're wearing a feather in your cap because you gave "technically correct" (yet grossly incomplete) information, Playa, but beware of giving people the wrong impression. There is nothing worse than setting someone up and making them think they're doing things correctly and then having them find out the hard way that the reason they're either in jail or their property is impounded is because they made the mistake of trusting that Allstate had them covered. I get plenty of emergency calls from people who aren't clients of mine (although they will be from now on) because their own agent in the US assured them they were covered. Not understanding the difference between getting your own car fixed and having liability coverage can be a very costly mistake.
Technically fact, but when someone is asking about Mexican auto insurance, they need to know that the Allstate promise to repair their own vehicle once they return to the States, has nothing whatsoever to do with Mexico's requirement for Liability Coverage. You can think you're wearing a feather in your cap because you gave "technically correct" (yet grossly incomplete) information, Playa, but beware of giving people the wrong impression. There is nothing worse than setting someone up and making them think they're doing things correctly and then having them find out the hard way that the reason they're either in jail or their property is impounded is because they made the mistake of trusting that Allstate had them covered. I get plenty of emergency calls from people who aren't clients of mine (although they will be from now on) because their own agent in the US assured them they were covered. Not understanding the difference between getting your own car fixed and having liability coverage can be a very costly mistake.
Even with Mexican liability insurance, you have a probability that your vehicle will be impounded until you have a hearing before the magistrate. Not trying to scare people....you just need to be aware of this....and if it is...make sure you remove anything from your vehicle that can grow legs and walk away!!!! THIS IS NOT SECOND HAND "KNOWLEDGE"....IT DID HAPPEN TO ME!
You're right Rosie...... Think of it as the "BUY LOCAL, SUPPORT LOCAL"....there's a similar "group" here in the Phoenix/AZ area.
The PERSONAL ATTENTION is worth any small difference in price :)
I buy my insurance from Rosie. We should all support her. I haven't needed the "interference service" but the possibility of it's necessity is high and I like the peace of mind knowing she is available.
s/steve
I buy my insurance from Rosie. We should all support her. I haven't needed the "interference service" but the possibility of it's necessity is high and I like the peace of mind knowing she is available.
s/steve
Thank you, Steve. It's obvious I have a lot of support on this forum, and I promise you that it's greatly appreciated. What Joe said is true...even when you have the right insurance, your car can be impounded until the judge decides who is at fault. That's why if there is ever any problem, please call me right away. Cell number: 638.386.9081
My experience with having an accident in Penasco several years ago was that the magistrate didn't speak any english....the adjuster from my insurance company showed up late for the hearing (it was almost over).....and the entire family of the 16 yr. old who ran into me (he didn't even have a drivers license) were jabbering to the judge about how the gringo could afford to pay....fortunately my friend and his Mexican wife were there and helped to explain what had happened (they had also showed up when I had the accident...it happened near their house) and got the police to diagram the accident and measure the skid of the other vehicle (my friend's wife knew the police)!!!
My experience with having an accident in Penasco several years ago was that the magistrate didn't speak any english....the adjuster from my insurance company showed up late for the hearing (it was almost over).....and the entire family of the 16 yr. old who ran into me (he didn't even have a drivers license) were jabbering to the judge about how the gringo could afford to pay....fortunately my friend and his Mexican wife were there and helped to explain what had happened (they had also showed up when I had the accident...it happened near their house) and got the police to diagram the accident and measure the skid of the other vehicle (my friend's wife knew the police)!!!
Good thing she was there, for sure. The adjusters here are free-lance, so we all use the same ones. The magistrates (called judges) know me and know that we'll go by the book...if possible, of course. I say that because I've had clients who were very, very much at fault and all we wanted was to minimize their complications and get them out of the mess they were in.
I don't want to give the impression that I'll only respond to accidents involving my clients. I'll respond to anyone who calls me, and I don't charge for the service. I do that in the hopes it'll earn me future business. After I pull someone's rear end outta the fire, they usually become loyal clients.
Another point on the Mexican Insurance....I buy full coverage...since my US company doesn't cover me in Mexico for collision damage (none cover you for liability!!!)....check the terms of the insurance company policy that you buy....most only provide coverage for collision based on Mexican labor rates.....which are considerably lower than US rates. That's fine if you're going to have the vehicle repaired in Mexico, but if not, it will cost you out of your pocket big time! They do offer higher priced policies that cover at a higher labor rate (mine is $75/hr).....for the additional premium, it is well worth it.
If you're a frequent visitor to Penasco, also look at a yearly policy....if you come down several times a year, it's cheaper in the long run. You don't have to worry about getting stuck in Mexico in a traffic jam at the border....or staying that additional day.....
And if you don't care about damage to your vehicle....you can just pick up a drivers license/liability policy, which covers you in any vehicle that you may drive.....strictly liability.
Another point on the Mexican Insurance....I buy full coverage...since my US company doesn't cover me in Mexico for collision damage (none cover you for liability!!!)....check the terms of the insurance company policy that you buy....most only provide coverage for collision based on Mexican labor rates.....which are considerably lower than US rates. That's fine if you're going to have the vehicle repaired in Mexico, but if not, it will cost you out of your pocket big time! They do offer higher priced policies that cover at a higher labor rate (mine is $75/hr).....for the additional premium, it is well worth it.
If you're a frequent visitor to Penasco, also look at a yearly policy....if you come down several times a year, it's cheaper in the long run. You don't have to worry about getting stuck in Mexico in a traffic jam at the border....or staying that additional day.....
And if you don't care about damage to your vehicle....you can just pick up a drivers license/liability policy, which covers you in any vehicle that you may drive.....strictly liability.
Shoot, Joe. I oughta put you on the payroll. Since I can't, I'll buy you a beer, ok? You're absolutely right. Other points to consider:
- Always know what your deductible is so you don't get mad at me (or whoever) later. Deductibles on tourist policies are traditionally high ($1,000 - $1,500).
- Unlike in the U.S., your insurance is voided if, in an accident, you are found to be legally drunk. This is one of the reasons I need to be your first call if you've had a couple.
- When you buy full coverage, make sure you know the low commercial value of your vehicle. Thats all you'll get if you lose it. Paty always checks that so we don't sell you more than need.
- On a different note, talking about RVs: Most RVers buy coverage on their cars for every day, but only insure the RV the day they drive in and the day they drive out. That means they have NO coverage while parked. I tend to think that any vehicle using propane should at least have liability coverage, even when parked.
- My argument stands that you should buy locally. Even buying from my competitor is better than buying from some random internet site or yes...Costco.
I learned the hard way with that one accident about insurance policies...although I was lucky and didn't get burned too bad on the labor rate....the company who handled claims in the US for the Mexican company had negotiated a higher labor rate then was stated in my policy (I got $49/hr back in 2007). On the deductibles, it's higher for trucks then passenger vehicles.....
Some of us haul boats/jetskis down.....if you don't get on water coverage (which wasn't available until recently for jetskis), you probably don't have any coverage for the skis unless the trailer is attached to your tow vehicle.....so if they are stolen at your condo/hotel/rv park....you're out of luck!!! (If anyone thinks about a good "story" for your US insurance company...just remember there is video surveillance at the border!!! :stir:)
The gist of this is....buyer beware....read your policy carefully!!!
Yep, follow the link to get several quotes, choose the one you like best, pay online and print your policy. The minute you purchase it, I get a copy in my email. That way, if you have a problem even before you get to Penasco, I already have a copy of your policy on hand and know what you're talking about when you call. And yes, the trailer is covered, but when you buy the policy it will ask if you're towing anything. Say yes, and then it'll be covered.
We sell annual "Driver's License Policies" that give you Liability coverage regardless what you're driving. Those always cover what you're towing as well.
HI Rosie, just looking at your website, but did not see anything about the "Annual Driver's License Policies". How can we get a quote for that? As we seem to keep driving different vehicles down, it may just make more sense to go this route :-) or if we insure multiple vehicles, 2 or 3, would that be the more economical way to go? Thanks
FYI Body shop labor rates are "controlled" by the insurance companies. They will pay the prevailing rates in the area, but not a penny more. The current body & refinish labor rates in the Phoenix area are $48 per hour and based on predefined labor times in our computer damage estimating program. Mechanical labor rates are $95 per hour, but most all repairs are non-mechanical. RP Joe, you were lucky! I have never heard of an insurance company negotiating labor rate increases!
HI Rosie, just looking at your website, but did not see anything about the "Annual Driver's License Policies". How can we get a quote for that? As we seem to keep driving different vehicles down, it may just make more sense to go this route :-) or if we insure multiple vehicles, 2 or 3, would that be the more economical way to go? http://www.bajabound.com/info/policies/driverslicense.php
HI Rosie, just looking at your website, but did not see anything about the "Annual Driver's License Policies". How can we get a quote for that? As we seem to keep driving different vehicles down, it may just make more sense to go this route :-) or if we insure multiple vehicles, 2 or 3, would that be the more economical way to go? Thanks
Thanks for letting me know. I wasn't aware that the automatic quoter wasn't set up to do the Driver's License policies. Email me at [email protected] and I'll send you price information. Unfortunately, the prices just increased, but it's still a good deal for anyone who doesn't know what they'll be driving. You can put several drivers on them, too. Do you want it for 2 drivers?
Apparently Playaperro has an insurance axe to grind, so I especially appreciate your loyalty.
HI Rosie, just looking at your website, but did not see anything about the "Annual Driver's License Policies". How can we get a quote for that? As we seem to keep driving different vehicles down, it may just make more sense to go this route :-) or if we insure multiple vehicles, 2 or 3, would that be the more economical way to go? http://www.bajabound.com/info/policies/driverslicense.php
You can compare rates here...
Playa...I didn't see where you can get a quote on your link for a drivers license policy....when you click on the links, it takes you to the regular quote page.....
Rosie you know i posted the Loba statement before you chimed in. I never came charging after you, In "FACT" I think I helped you, but you jumped in thinking i had
insulted you and your business. I never said not to buy liability insurance from you also Happy told me Russ went overboard to insult me on your radio show. Ask
Kenny how long our misunderstanding went.
Rosie you know i posted the Loba statement before you chimed in. I never came charging after you, In "FACT" I think I helped you, but you jumped in thinking i had
insulted you and your business. I never said not to buy liability insurance from you also Happy told me Russ went overboard to insult me on your radio show. Ask
Kenny how long our misunderstanding went.
I don't think you helped me, but I also don't think you hurt me...even with all your links to other agents. I didn't say you insulted me or my business. What I did say is that you do people a disservice if you give them the impression that their coverage from their U.S. carriers is enough. Every week I deal with the reality of people who thought just that and then find out the hard way that Mexico requires separate liability coverage.
I don't know what the hell Kenny has to do with anything, unless you're issuing a veiled threat. I could not care less, especially if you're getting your information from that sicko who has been banned for life.
Russ referred on the show to something that was posted on this forum, but it wasn't even posted by you. If you want to let that crazy guy you're hanging out with yank your chain, that's your problem.
I don't think you helped me, but I also don't think you hurt me...even with all your links to other agents. I didn't say you insulted me or my business. What I did say is that you do people a disservice if you give them the impression that their coverage from their U.S. carriers is enough. Every week I deal with the reality of people who thought just that and then find out the hard way that Mexico requires separate liability coverage.
I don't know what the hell Kenny has to do with anything, unless you're issuing a veiled threat. I could not care less, especially if you're getting your information from that sicko who has been banned for life.
Russ referred on the show to something that was posted on this forum, but it wasn't even posted by you. If you want to let that crazy guy you're hanging out with yank your chain, that's your problem.
Playa...I didn't see where you can get a quote on your link for a drivers license policy....when you click on the links, it takes you to the regular quote page.....
I just renewed my local policy with Yolanda Silva Guzman for the next year. The annual drivers license policy was $99.00. It is nice to have a local agent...
cell:638-112-0366
office:383-6280
I just renewed my local policy with Yolanda Silva Guzman for the next year. The annual drivers license policy was $99.00. It is nice to have a local agent...
cell:638-112-0366
office:383-6280
Thanks Chuck i had forgotten about her. Does she still work out of her house off fremont. I rather buy from her than these new carpetbaggers trying to run all kinds
of products and running scare tactics.
Thanks Chuck i had forgotten about her. Does she still work out of her house off fremont. I rather buy from her than these new carpetbaggers trying to run all kinds
of products and running scare tactics.
As the owner of an insurance brokerage company in Arizona, I can tell you that some carrier will provide collision coverage within a certain zone south of the border (ex. 100 miles, 50 miles). some will provide comp coverage, some will provide a combination of both. I deal with tens of carriers daily and they each have their own limits regarding any vehicle coverage provided in mexico. however as has been stated before, you will certainly need mexican liability coverage. If you are looking to cut costs, find out if your carrier will provide any comp/collision coverage in mexico and what limits they have. if they provide both or one or the other (assuming you have comp/collision coverage on your us policy), then you could just purchase a liability only policy.
Thanks Chuck i had forgotten about her. Does she still work out of her house off fremont. I rather buy from her than these new carpetbaggers trying to run all kinds
of products and running scare tactics.
The office is off to side but yes on her house property.
Thanks Chuck i had forgotten about her. Does she still work out of her house off fremont. I rather buy from her than these new carpetbaggers trying to run all kinds
of products and running scare tactics.
Aw, you're just po'd because I called you a pansy in my last email response to your buddy. Yolanda is a nice lady. She can't provide the service we do, but she's nice and professional. Good choice. As for your snide comments about me...stick it.
Yes I posted your email on my facebook! I'm lmao, Like Happy said best fishing expedition he's ever done...By the way russ don't bother you been unfriended...Hasta La vista I done with
this...
Yes I posted your email on my facebook! I'm lmao, Like Happy said best fishing expedition he's ever done...By the way russ don't bother you been unfriended...Hasta La vista I done with
this...
Aw, you're just po'd because I called you a pansy in my last email response to your buddy. Yolanda is a nice lady. She can't provide the service we do, but she's nice and professional. Good choice. As for your snide comments about me...stick it.
Aw, you're just po'd because I called you a pansy in my last email response to your buddy. Yolanda is a nice lady. She can't provide the service we do, but she's nice and professional. Good choice. As for your snide comments about me...stick it.
I certainly believe in "buying local" in order to help support those living in the community that we enjoy. However, I also believe is shopping around for the best price. I buy insurance on my driver's license that covers me for any vehicle that I drive in Mexico. This costs me $82.99/yr, for Mexican liability insurance, and includes "legal aid assistance", which is "keeping out of jail insurance". The company is ADA VIS, out of Temecula, CA, www.mexicoinsurance.com. You can pay with a credit card on line, and immediately print out your policy.
I agree with Rosie that Yolanda Silva is a very nice, professional lady. I have used her for property insurance for quite a few years. She is very low-profile in her advertising. I don't know what Rosie means when she states that Yolanda cannot provide the same service that Rosie provides. Since I haven't had to file a claim with Yolanda, I can't comment about her service in this regard.
I switched my insurance to Yolanda after purchasing insurance for several years from another major insurance provider in Penasco. This person sold me vehicle insurance that wasn't legal in the US. I was very fortunate to not have a mishap while driving in the US on a bogus liability policy. Also, I had a burglary claim that he settled with a check written from his personal account, rather than paid by the underwriter. In addition, he tried to double-bill me by sending me a six-month premium notice for an annual policy. Etc., etc.
This costs me $82.99/yr, for Mexican liability insurance, and includes "legal aid assistance", which is "keeping out of jail insurance". The company is ADA VIS, out of Temecula, CA, www.mexicoinsurance.com.
I certainly believe in "buying local" in order to help support those living in the community that we enjoy. However, I also believe is shopping around for the best price. I buy insurance on my driver's license that covers me for any vehicle that I drive in Mexico. This costs me $82.99/yr, for Mexican liability insurance, and includes "legal aid assistance", which is "keeping out of jail insurance". The company is ADA VIS, out of Temecula, CA, www.mexicoinsurance.com. You can pay with a credit card on line, and immediately print out your policy.
I agree with Rosie that Yolanda Silva is a very nice, professional lady. I have used her for property insurance for quite a few years. She is very low-profile in her advertising. I don't know what Rosie means when she states that Yolanda cannot provide the same service that Rosie provides. Since I haven't had to file a claim with Yolanda, I can't comment about her service in this regard.
I switched my insurance to Yolanda after purchasing insurance for several years from another major insurance provider in Penasco. This person sold me vehicle insurance that wasn't legal in the US. I was very fortunate to not have a mishap while driving in the US on a bogus liability policy. Also, I had a burglary claim that he settled with a check written from his personal account, rather than paid by the underwriter. In addition, he tried to double-bill me by sending me a six-month premium notice for an annual policy. Etc., etc.
Might this person's name be the same as a country that is located next to Spain??? :stir:
I buy full coverage, since I have a newer vehicle....and have found that the only difference in the premiums (regardless on which agent you buy from) is which Mexican company the policy is written on...and how much coverage you get..... I've compared prices on several "online" places that give you quotes.
I certainly believe in "buying local" in order to help support those living in the community that we enjoy. However, I also believe is shopping around for the best price. I buy insurance on my driver's license that covers me for any vehicle that I drive in Mexico. This costs me $82.99/yr, for Mexican liability insurance, and includes "legal aid assistance", which is "keeping out of jail insurance". The company is ADA VIS, out of Temecula, CA, www.mexicoinsurance.com. You can pay with a credit card on line, and immediately print out your policy.
I agree with Rosie that Yolanda Silva is a very nice, professional lady. I have used her for property insurance for quite a few years. She is very low-profile in her advertising. I don't know what Rosie means when she states that Yolanda cannot provide the same service that Rosie provides. Since I haven't had to file a claim with Yolanda, I can't comment about her service in this regard.
I switched my insurance to Yolanda after purchasing insurance for several years from another major insurance provider in Penasco. This person sold me vehicle insurance that wasn't legal in the US. I was very fortunate to not have a mishap while driving in the US on a bogus liability policy. Also, I had a burglary claim that he settled with a check written from his personal account, rather than paid by the underwriter. In addition, he tried to double-bill me by sending me a six-month premium notice for an annual policy. Etc., etc.
Our Driver's License policies are running in the neighborhood of $120 per year with big discounts for additional drivers (for example: 2 drivers will run just over $141). It's the best I can do. If price is your determining factor, then you're on the right track with the California people.
I have no reason to believe that Yolanda wouldn't do a great job if you ever had a claim. The difference in service, as my clients know, is that I am personally available 24-hrs per day. If my clients get into an accident, I'll go out and help them in any way I can...no charge. Nobody else does that, and my clients seem to appreciate it.
A bargain is only a bargain until you have a problem. Just last weekend I got a call before 6am (I think, 'cause I was still half-asleep) from someone on this forum who had a problem unrelated to her policy. I think I was helpful. I'll let her give details if and when she chooses to.
While I'd like to have more business, I know we can't have them all. That isn't the point. The point is making sure people understand the need for coverage that is real (unlike what you used to buy from that other guy).
As with most things "beware the cost of the lowest price." Peace of mind has value for me and having Rosie's Insurance company # in my phone provides just that.
Additional driver discounts is a good selling point for driver's license liability policies. I renewed the policies for me and my wife last July, and paid $82.99 for each of us on individual policies. I did not get an additional driver discount, nor was I offered that option. I have been dealing with this same company for a number of years. It's a little late now, but when I renew, I'll ask about multiple driver discounts.
Rosie and Paty helped me with a Drivers Lic Policy by e mail with no payment up front. I will send a check tomorrow and when I renew all my other car and condo policies Rosie will get my check for them as well. Thanks so much for your help in my hour of need. Gary
Might this person's name be the same as a country that is located next to Spain??? :stir:
I buy full coverage, since I have a newer vehicle....and have found that the only difference in the premiums (regardless on which agent you buy from) is which Mexican company the policy is written on...and how much coverage you get..... I've compared prices on several "online" places that give you quotes.
Interesting that this guy also did his own "claims adjusting", leading me to believe that he was also self-insuring, and not sending the premiums in to the underwriter. In the case of being billed after six months for an annual policy, the policy number on the renewal notice didn't match my policy number. When I presented the renewal notice to one of his pretty office workers, she immediately ripped up the renewal notice, threw it in the waste basket, smiled at me, and told me that "Everything was OK".
Insurance sales and and insurance claims are handled by separate organizations. Whether in the US or Mexico, one wouldn't call their sales agent if involved in an incident. A claims contact is included in the insurance policy. As a sales person, it is commendable of Rosie to go the extra mile to offer to help her clients through the claims adjustment process, should they have the misfortune of being involved in an incident. Since the insurance that Rosie sells is good anywhere in Mexico, I recommend that Rosie put a mileage limit on her personal assistance offer!
Yes, Rosie waited like 2 weeks for me, the bum that I am, to pay her for my trailer insurance. It was insured the whole time while she waited. Peace of mind is a good thing. I used to use the country that is next to Spain. Just didn't feel right towards the end......
Business is business, and it is not good to let "personal softness" interfere with good business policy. When one is in business, extending personal credit is not good business practice, even though not doing so may go against one's personal feelings. I have been a "softee", which has sometimes worked out well, and other times caused me many problems. I feel good about the times that my compassion has worked out well for both me and the other party involved. The times that I have been burnt, it has been by an American.
It wasn't personal credit, Jack. I made the check out to the wrong name and had to find another way to pay...Why am I explaining this.........Argh...... It was a joke......
It wasn't personal credit, Jack. I made the check out to the wrong name and had to find another way to pay...Why am I explaining this.........Argh...... It was a joke......
You are "explaining this" because what happened was not what you represented in your post. You implied that Rosie gave you two weeks of insurance on credit, which is misleading and sends out the wrong message that Rosie does business on credit. Why couldn't you immediately have made out another check in the right name? Some people make no sense.
Well, although I run the risk of being thought either too soft or too tough, the reality is that some policies (like homeowner's) can be cancelled if the client doesn't pay for them. Other policies (some auto) cannot be cancelled and we're stuck if they don't pay them. If the client is someone I know, and I know they'll eventually pay, then I usually authorize Paty to go ahead and emit the policy. I have a bit of leeway because I settle up with the underwriter at the end of each month. I can't say I've never been left holding the bag, but it doesn't happen enough to lose sleep over.
Some policies can be paid with a credit card number and others can't. And sometimes people prefer not to give us their credit card numbers, so they mail a check. I've been known to ask someone to deposit into my US account, but that's because we've already lost enough time and I've got to get the policies paid. If someone needs coverage today, we'll go ahead and emit the policy pending payment.
Business is business, and it is not good to let "personal softness" interfere with good business policy. When one is in business, extending personal credit is not good business practice, even though not doing so may go against one's personal feelings. I have been a "softee", which has sometimes worked out well, and other times caused me many problems. I feel good about the times that my compassion has worked out well for both me and the other party involved. The times that I have been burnt, it has been by an American.
Coincidentally with this post, I was in need of Rosie's services not only once but twice this past weekend and I can't tell you how much relief it was knowing there was someone in RP that I could actually call for help.
We (my hubby, sister and niece and nephew) got in Thursday night around 9:30, dropped stuff off at the condo, went to Super Ley for groceries and came back and started upacking. Hubby was snoozing and so were the kids - my sis and I were the only ones awake. Around 12:45 my cell phone rang and it was my husband's cousin from Mexico City telling me that my MIL had just passed away unexpectedly (in Mexico City).
As you all know the border isn't open until 6 a.m., so we were thinking of driving him to Hermosillo for a flight to Mexico City. I called Rosie around 6:30 in the a.m. and she basically "talked me off the ledge", and I wound up driving hubby back to Phoenix Friday morning at 8:30. He left on a flight Friday evening. I drove back down by myself to RP Saturday morning.
Monday morning as we were getting ready to pack up my niece noticed that my license plate was gone off our SUV!!!! I immediately called Rosie (AGAIN!) who again talked me off the ledge. We got home fine - no problem at the border and we stopped in Ajo to report the stolen plate to the Pima County Sheriff's Office. Got a replacement plate yesterday morning.
But seriously, what would I have done without Rosie? Just the moral support alone is priceless. THAT is why I ALWAYS buy my insurance from Rosie.
So sorry to hear that, Melissa.....There will be a next time to meet. We got the bad news that Jerry's uncle went into Hospice while we were gone......
We are finally going back down to RP in two weeks. I needed insurance. I contacted Costco, Portugal and Rosy early yesterday morning. I heard back from Rosy immediately telling me she would have her girl give me a quote. Just a couple hours later I got the quote (and I will buy it from her). It's been two days and I haven't heard anything from Costco or Portugal. We have bought insurance from Portugal for many years and I reminded them of that in my email, but I guess they don't care. I would also like to point out that when you go to the Costco website, they tell you that you are really not buying from Costco - it's a third party.
We are finally going back down to RP in two weeks. I needed insurance. I contacted Costco, Portugal and Rosy early yesterday morning. I heard back from Rosy immediately telling me she would have her girl give me a quote. Just a couple hours later I got the quote (and I will buy it from her). It's been two days and I haven't heard anything from Costco or Portugal. We have bought insurance from Portugal for many years and I reminded them of that in my email, but I guess they don't care. I would also like to point out that when you go to the Costco website, they tell you that you are really not buying from Costco - it's a third party.
I'll be checking out Rosie's website for rv insurance prior to our Thanksgiving day trip south to PDO and the potluck:) we met Rosie there last year, and I agree that supporting the local businesses is a good thing.
I'll be checking out Rosie's website for rv insurance prior to our Thanksgiving day trip south to PDO and the potluck:) we met Rosie there last year, and I agree that supporting the local businesses is a good thing.
Hi Joester! Thank you for the vote of confidence. If you hit a snag on the website or simply prefer for us to handle it for you, call Paty on our US line: 602.773.1031 and she'll take care of it for you.
I just spoke with my Allstate agent and he said that their policies will cover you 75 miles into Mexico. Which covers Penasco. He also stated that if your Mexican policy only covers "say $20 per/hr of labor", (I don't know the real rate).
And say it's $60 in the USA, Your Allstate policy will cover the difference of what the Mexican policy won't pay on the labor. (as a seconday policy) I have a Mexican policy to keep the problems away if I ever was in a accident.
You are still required by law to have Mexican liability coverage!
Go to Rosie's site...www.proalliance.mx....go and look at the insurance companies she writes policies on and look at their coverage. Yes, they cover you at Mexican rates...but you can buy coverage at higher labor rates....mine has $75/hour...when I had an accident back in 2006, and didn't have the "extra" coverage...I was covered at $49/hour.
Although I have my insurance thru Rosie, I am not pushing her company....just want to make sure there is no disinformation on here!!!
Now...what happens if you take a short roadtrip outsde of Penasco...further down the coast...sa to Santo Tomas or Caborca or El Desemboque....you will be up the creek with your US policy in terms of damage coverage to your vehicle. You know darn well the US company will do everything they can to avoid paying!
I just spoke with my Allstate agent and he said that their policies will cover you 75 miles into Mexico. Which covers Penasco. He also stated that if your Mexican policy only covers "say $20 per/hr of labor", (I don't know the real rate).
And say it's $60 in the USA, Your Allstate policy will cover the difference of what the Mexican policy won't pay on the labor. (as a seconday policy) I have a Mexican policy to keep the problems away if I ever was in a accident.
As Joe points out, your Allstate policy isn't enough because it doesn't meet the requirement for Mexican liability coverage. My sister has been an Allstate claims adjuster for 25+ years and she and her co-workers always buy policies from me for liability.
Yeah, Buy from ProAlliance. I sat at Manny's with Rosie (and Manny for that matter) a few months ago. I remember Rosie having to take several calls that afternoon to run interference. Always available. Great Service, buy local.
Yeah, Buy from ProAlliance. I sat at Manny's with Rosie (and Manny for that matter) a few months ago. I remember Rosie having to take several calls that afternoon to run interference. Always available. Great Service, buy local.
Cheers!
Hey DJ, where the hell have you been? Call me next time you're in my neighborhood.
Rosie, After reading through this thread i am thinking of getting a policy from your company instead of Costco that i usually use. If i need to get a hold of you during our stay what number do i call?
Rosie, After reading through this thread i am thinking of getting a policy from your company instead of Costco that i usually use. If i need to get a hold of you during our stay what number do i call?
I just renewed my "drivers license" policy with Rosie, and I'm not planning on being one of those who call for help; but she'll be there if I do.
Hey Rosy - We will be down for a couple weeks soon and will coming by to visit and get our condo insurance from you and a yearly auto insurance policy! Look forward to meeting you and doing business.
Rosie, After reading through this thread i am thinking of getting a policy from your company instead of Costco that i usually use. If i need to get a hold of you during our stay what number do i call?
Always call my cell. If dialing from a US cell phone, dial 011.521.638.386.9081 I appreciate the opportunity, Matt. Will do what I can on the price. Thanks!
Hey Rosy - We will be down for a couple weeks soon and will coming by to visit and get our condo insurance from you and a yearly auto insurance policy! Look forward to meeting you and doing business.
Muchisimas gracias! Looking forward to seeing you.