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 Moderated by: bartmanaz  
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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

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.

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.

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.

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.

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.

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

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.

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.

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? 

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.

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 :)

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.

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!

will rogers
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They should, ask them!

aloha
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I do not contact adot. but Debbie can give you the specifics.

Bullshipper
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Can't your Mexico insurance just give you a rider for US travel?

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!

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! :)

TravelLover
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I met with Debbie this morning and she took REALLY good care of us! I HIGHLY recommend her! :)

aloha
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so happy it all worked out. shes one stop shopping for all your special needs!!
 salud!

maryt
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I thought if you were a permanent resident of Mexico you were supposed to have a legally imported vehicle or one bought here and Mexican plates?

Ian948
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MT - you are correct to the letter of the law - however practically in the no hassle zone few bother !  There are also legal exceptions but that needs addressing by a specialist !
:)


The issue here is the insurance question in which I was interested to learn the solution - may be worth considering for US plated vehicle , my mx plated all have insurance which provides basic coverage in USA and Canada.

maryt
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You are right Ian, that in San Carlos with its large number of visiting US citizens (and cars) , one can get away with a US car. However, if you are going to be going south or back north quite a bit, it would seem to me to be the best thing is to just go legal and have a car purchased in Mexico or legally imported. I just heard yesterday that Subaru has opened a dealership in Hermosillo. A great car for this area.

Ian948
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Plan to buy my next new car here , right now only issue I have is importing Diesel truck can't buy same here ....:(

bartmanaz
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Be careful on a diesel- US trucks require low sulphur fuel which is not readily available in Mexico

Ian948
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Its "old" 2006 Chevy - fuel not the trouble trying to import is ! ( yet it was "made" in Mexico !

Interestingly I had to sell my TDI Jetta as it was too new and needed low sulphur , but the Chev is just outside then new requirements - thrives on mx diesel ( if I use right places to fill up ! ) 
:)

TravelLover
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aloha wrote: so happy it all worked out. shes one stop shopping for all your special needs!!
 salud!

:D



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