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Any experience in buying American auto insurance for part of a year?  Rate Topic 
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 Posted: Sun Jan 17th, 2016 02:55 pm
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ballenamar
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I am an American with a permanent residency in Mexico. I have a US plated vehicle and travel to the USA for short time periods (1-2 months) each year. Does anyone have experience with buying US auto policies for short time periods? The big US insurance companies used to do it but not any more. I'm trying to avoid paying for a full year of US car insurance. I'm looking for some new options.

Last edited on Sun Jan 17th, 2016 02:58 pm by ballenamar

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 Posted: Sun Jan 17th, 2016 03:21 pm
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aloha
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contact Debbie St Onge  622 125 7439 after 9am. she will hook you up. an online policy that is great for how ever many days you need. good price and good service.

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 Posted: Sun Jan 17th, 2016 03:56 pm
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long time resident
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If your car is plated in Arizona, they insist you have insurance, at all times. I had the same issue, and I would call my insurer and tell them my car was parked in a garage (while I was in Mexico). The rate was very little, because the vehicle is not on the streets, but still insured (much lower fee). When I would head up to the states, I would inform my insurance company, that I was taking the car out of the parking garage. They let you do this a few times a year, no problem. (most insurers) I would say I am leaving the country, and just parking the car.......It was a way for them to understand, something they could accept.

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 Posted: Sun Jan 17th, 2016 04:29 pm
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aloha
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az is a de-insure state. if not  driving in az, you de-insure. ie:living in mx. i get daily insurance thru an online company when i leaving mx. az only requires you to be titled and registered. go to their motor vehicles site and click on 'de-insure' link.

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 Posted: Sun Jan 17th, 2016 04:43 pm
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ballenamar
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aloha/ltr: I do file the deinsure certificate with Arizona when I am in Mexico. This keeps them from cancelling my registration when the US insurance company drops me. My problem is with the insurance companies. Both Progressive and Geico used to suspend when I called them. But no longer. They do not want partial year business. I verified this on the phone today.
Thanks for the tip on Debbie. I will contact her.

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 Posted: Sun Jan 17th, 2016 04:47 pm
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ballenamar
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aloha: Which company do you use to get insurance only when you are in the USA. Do you have a US plated vehicle?? Tnx.

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 Posted: Sun Jan 17th, 2016 05:08 pm
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aloha
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yes. az plated. I think its called SEGUROS. I call Debbie and she sets it up for me,sends me a copy on line and I have it on my fone. of course you can do it yourself,but some of it is in Spanish and I do not want to screw up lol

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 Posted: Sun Jan 17th, 2016 05:14 pm
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guzzi
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Try out AARP works great for me. You can tell them it's in México or your garage when your ready to go to the US you have to tell them 12 hours in advance them when you get back to Mexico call them and they de insure it for you.

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 Posted: Sun Jan 17th, 2016 06:55 pm
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ballenamar
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Guzzi: Thanks for the idea. I called AARP and they confirm what you are saying. BUT, the first year they want to charge me DOUBLE what I was paying with Geico because I cancelled Geico. In effect, they wanted $700 more than their normal rate for the first year. Go figure. I'll continue looking.

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 Posted: Sun Jan 17th, 2016 11:34 pm
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TONY ABQ
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Do you have access to usaa. They have a policy I believe that will work for you. Family member or you ever served to get qualified to be a member? 

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 Posted: Mon Jan 18th, 2016 08:17 pm
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ballenamar
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Thanks Tony. From what I can make out from their requirements, I do not qualify. I am amazed that there is little to nothing out there for the average ex-pat. I did briefly talk to Debbie and her product does look good.  I'll be looking deeper.

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 Posted: Mon Jan 18th, 2016 09:34 pm
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aloha
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there are many online short term ins companies for traveling north. the company Debbie suggests has a verified track record and reputation. have been using them for all my trips north for 5 yrs. suerte :)

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 Posted: Thu Jan 21st, 2016 05:17 pm
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Rev.
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I don't have any info about short term insurance, but I do know that in California, unless you register your car as "parked / not in use", you MUST have insurance coverage. Period. If you don't they cancel your registration.

I have just bought cheap online insurance from AIS, because they will insure a car that is also being driven in Mexico. Some of the companies will not. So, the idea of having insurance for only the times you drive in the US is probably not the solution. I think the insurance I bought is $400/year - minimum coverage. And, I have Mexican insurance for here.

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 Posted: Thu Feb 18th, 2016 06:58 am
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TravelLover
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We cancelled our US auto insurance and de-insured our AZ plated vehicle. We're planning a shopping trip to Tucson within the next week or two. I will contact Debbie (gracias Aloha!) so we have US auto insurance for our quick trip.

My question is this: Do we need to contact AZDOT to let them know that we'll be driving in AZ for a few days and we bought a temporary insurance policy? Or does SEGUROS take care of that for us?

Gracias!

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 Posted: Thu Feb 18th, 2016 03:12 pm
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will rogers
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They should, ask them!

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 Posted: Fri Feb 19th, 2016 08:59 pm
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aloha
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I do not contact adot. but Debbie can give you the specifics.

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 Posted: Sat Feb 20th, 2016 01:24 am
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Bullshipper
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Can't your Mexico insurance just give you a rider for US travel?

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 Posted: Sun Feb 21st, 2016 04:50 am
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TravelLover
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aloha wrote: I do not contact adot. but Debbie can give you the specifics.
I will contact her--thank you!

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 Posted: Sun Feb 21st, 2016 04:51 am
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TravelLover
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Bullshipper wrote: Can't your Mexico insurance just give you a rider for US travel?
I never considered that--great suggestion! :)

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 Posted: Mon Feb 29th, 2016 07:37 pm
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TravelLover
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I met with Debbie this morning and she took REALLY good care of us! I HIGHLY recommend her! :)

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