In today’s post, we are going to spill all we know on how to get temporary Car Insurance for Permanent Drivers.
Checking most auto insurance, its worthy to note that temporary insurance itself is quite a bit scary but relax as we are going to show you that temporary car insurance is quite specialized and not scary as you think. By itself, auto insurance is confusing enough for many people.
What is temporary car insurance?
Temporary car insurance or short term car insurance is for when you will only require insurance on a car for a short period of time, due to a variety of circumstances. Insurance companies, in general, tend to write standard car insurance policies that usually last for a term of one year. Temporary car insurance shouldn’t be confused with things like non-owned auto insurance, which is a full-term auto insurance policy that covers a driver instead of a vehicle.
Car Insurance for Rentals
Rental temporary car insurance is actually not true car insurance because it’s always an agreement between you and the hiring company for that company to repay you for damages. The main purpose of temporary car insurance is in a rental situation. It’s an added charge to your rental and always presented as an upsell.
Many insurance companies always offer temporary car insurance to cover you partially in a rental car as long as you reside in Canada or in the united states.
Have it in mind that If you plan to rent a car in the near future and are unsure of your coverage, you should talk to your insurance agent before renting to avoid incurring unnecessary bills.
you should also note that apart from Canada, most American auto insurance policies exclude international coverage in general and coverage in Mexico. so if you are driving in any other country, however, you should consider taking the temporary car insurance. This is because the chances are very good indeed your car insurance back home won’t be there when you get off that international flight. That rental auto insurance may be the only thing between you and an unfortunate international incident should you get in an accident.
Read Also: How to get Cheap Auto Insurance in Canada
Insurance in Mexico
Temporary car insurance is very valid in Mexico especially driving south of the border, even if it’s your own car compared to Canada where your local auto insurance policy covers you and is also recognized by local authorities.
Note that American insurance companies don’t do business in Mexico or sell Mexican auto insurance. You will have to struggle on your own to get the coverage you need, otherwise, you face the consequences.
Temporary Mexican car insurance may be available through agents using the method of an insurance brokerage, online connections, research, or through an agency based close to the border.
You can choose from Mexican insurance companies like ACE Seguros, HDI Seguros, Grupo Nacional Provincial and others. You can also research more but make sure you don’t overpay.
What to do with Temporary Mexican Insurance?
Now you are done with your Mexican temporary insurance, You also need to get a Mexican tourist visa and a “Temporary Vehicle Importation Permit” for your automobile. Although Temporary Vehicle Importation Permit isn’t required in Baja California and parts of Sonora in the northwestern part of the country, don’t dare to drive around Mexico without your permission because you might be sent behind bars when caught and its nota funny one.
The Mexican visa and permits are available at the customs port of entry at the border or at a Mexican consulate. An English-language online application for the permit is also available, which will help you save time at the border. All told the total investment for driving in Mexico will run you several hundred dollars, however much of that is a deposit on the permit. You’ll get the deposit back when you surrender the permit upon returning to the United States.