One of the best benefits of being a Discover Baja member is that you’ll have access to our extremely discounted super saver Mexican auto insurance. These policies are good for an entire year and save our members on average $100 a year on their insurance. If you spend less than 120 days in Mexico out of a year, you’re eligible for one of these policies, and if you spend more than 20 days out of the year in Baja, this policy will be cheaper than purchasing a daily policy. These are exclusive policies that are NOT available through any other Mexican auto insurance companies and are only available for Discover Baja members. These policies have all of the great features as our other insurance policies:
- The best value for Mexican auto insurance if you spend between 20-120 days a year in Mexico
- Valid for a year
- Covers all vehicles
- Claims are settled in U.S. dollars and repairs may be made to your vehicle in the U.S., Canada or Mexico
- 24/7 toll-free bilingual hotlines to call for roadside, legal and claims assistance
- Any driver with a non-Mexican drivers license is covered while driving the vehicle
- Medical expenses for occupants in your vehicle
- Roadside Assistance: towing, medical evacuation and plane tickets home if your car is not drivable
- Legal Assistance (includes attorney fees, court costs and/or bail bond, with nothing out-of-pocket) is always provided with your policy at no additional cost
- Towing service (up to $300 on a reimbursement basis), to the nearest garage where repairs can be made.
- Partial theft and vandalism covered with ACE Platinum and HDI Premier policies
- The option of a fixed deductible
- Prices start at $102.74 for travel in the northern state of Baja California, and $119.19 for travel along the full peninsula.
In order for a vehicle to be eligible for full coverage Mexican auto insurance, the value on the vehicle must be worth over $3,000 and under 20 years of age. Liability-only policies are still available for vehicles that do not meet these requirements. If you have a vehicle older than 15 years, and over $3,000 in value that you would like full coverage for, you may call us at 800-727-2252 and request approval.
Any towed boat, trailer, vehicle etc. must be declared on the policy. If this is not done, all coverage will be voided in case of an accident. The towing disclosure and coverage can be added to any existing policy by calling the Discover Baja office 800-727-2252.
Do not under-insure your vehicle! You want to insure your vehicle for the Actual Cash Value – which can quickly be determined by using Kelley Blue Book or NADA Guides. We recommend using the higher retail value, because you do not want to risk underinsuring your vehicle.