best-car-insurance

How To Buy Mexican Auto Insurance Using This Little Known Technique

Learn Why Your Current Auto And Medical Plans Are Not Enough

Mexico consistently ranks amongst the top ten destinations for travelers. Its tropical resorts and mountain retreats offer a range of activities from shopping to adventure sports. It also creates the right circumstances for accidents and injuries.

According to the Department of State, the lead U.S. foreign affairs agency, many American visitors assume the standards of security and safety are the same as they are in the U.S. These presumptions have lead not only to serous injuries, but even deaths. Compounded by differences in Mexican law, accidents and medical emergencies can become a costly and bureaucratic nightmare. As a result, the Department of State urges citizens to take responsibility for their safety, and to also ensure that they have the auto and medical insurance needed.

Driving and Mexican Law

Mexico’s law is based on Napoleonic Code where guilt is assumed over innocence. As a result, all drivers must have a Mexican insurance policy from a company authorized to do business in Mexico to cover damages or injuries.

“U.S liability insurance is simply not valid in Mexico,” says Linden Gray, Director of the http://MexicanInsuranceStore.com. “That even includes most of the major U.S. collision and comprehensive coverage plans.”

In addition to the required Mexican auto insurance, you should also consider a plan that covers legal aid and bond fees.

“In Mexico, it is considered a felony to have a traffic accident, says Gray. “While the police are investigating who is at fault, your vehicle may be impounded and you will be detained by Mexican authorities.”

The Department of State further warns U.S. travelers that they can be prevented from leaving the country even if “life-saving medical care” is required.

Emergency Medical Services

Mexico has a free national health care system; however, visitors are not entitled to this service. Tourists can only receive medical treatment and medications from private clinics and hospitals. Gray’s company strongly urges customers to check their medical insurance company to confirm whether their policy applies in Mexico and whether it will cover emergency expenses such as a medical evacuation.

Surprisingly, most Mexican auto insurance plans will only help you find a facility, and may only cover up to four passengers. Many medical assistance plans only cover portions of the cost depending on location, activity or cause of injury. For those with the Social Security Medicare Program, costs for hospital or medical care outside the United States are not covered at all.

“It’s important to fill the gaps and exclusions that your auto and medical insurances have,” says Gray. “In addition to Mexican auto insurance, travelers should add an emergency medical assistance option because most health plans exclude medical evacuation in foreign countries.”

Gray recommends a plan like Assist America which is used by the American Medical Association and the American Red Cross. This type of plan provides services such as emergency medical evacuations, critical care monitoring, and guaranteed hospital admission.

Selecting A Plan

The easiest and quickest way to find Mexican auto insurance is online. When selecting a plan, look for one that offers the following:

• Third Party (Civil) Liability
• Medical Expenses for Driver and Occupants
• Assist America Medical and Travel Assistance
• Physical Damage and Total Theft of Vehicle
• Legal Assistance and Bail Bond
• Roadside Assistance
• Partial Theft and Vandalism
• Guaranteed Hospital Admission

Make sure the plan covers you during your entire stay. Most plans have daily, six month, and annual policies.

In addition, take into consideration the type of activities you plan to enjoy and their locations. Look for medical emergency assistance plans with very few limitations or exclusions such as:

• Maximum Of Number of Passengers (Other Plans Only Cover Up To 4 Passengers)
• Limits less than$100,000 per passenger for Any Medical Assistance Service Including Expensive Air Or Land Evacuation.
• Rural Mexico Territory Exclusion. (Almost all emergency assistance wording says “We will do the best we can in rural Mexico”)
• Exclusions For Pre-Conditions (Except Late Pregnancy)
• Sport Or Adventure Activity Exclusions (Surfing, Cycling, Mountain Biking, Mountain Climbing, Snorkeling, Kayaking Or Diving In Mexico Are All OK with Assist America )
• Civil War Or Terrorism Exclusions

antique-car-insurance

Car Insurance For An Antique Car: Route To Get Antique Car Insurance

Besides their needs, certain people reinstate antiques car as a leisure Pursuit. These antiques car also require insurance cover on them. Your work is to find out the insurance company which provides Car Insurance for an Antique Car. There are a number of reasons such owners can provide to support their neglect for acquiring proper car insurance for an antique car, but to be so neglectful is borderline irresponsible. If one is going to invest a great deal of money in purchasing an Antique car, then a proper Car Insurance for an Antique Car policy will properly compliment the investment of the antique car.

Insurance Companies Providing Car Insurance for an Antique Car:

Not all insurance providers insure all types of cars. There are a multitude of different antique cars and the totality of antique cars includes exotic cars, military vehicles, motorcycles, tractors and trucks. As such, different antique car insurance policies will be needed to cover the various different makes and models of cars that are out there on the market. Keep in mind Car Insurance for an Antique Car policy take into consideration the equity value of the cars and vehicles.

A person looking for insurance for their vehicle has Car Insurance for an Antique Car from which to choose, and sometimes information can be conflicting and difficult to understand. Contractual language in most insurance policies is difficult to understand without an interpreter and even then, the meanings of some language may seem to be contradicted in other areas of the contract.

Self Governing Car Insurance for an Antique Car:

There are many self-determining assurance companies available to buy car insurance for an antique car. While the basic premise of obtaining Car Insurance for an Antique Car is the same for all car insurance companies, how they sell the policies, price the coverage and react to customer claims is what separates them. Car Insurance for an Antique Car must be licensed to sell insurance in the state in which they do business and not all will be available in every state. Depending on an area’s history of claims due to theft, weather-related losses and driving reputation a company may decide not to do business in a particular part of a state. Although there is some regulation concerning a company’s ability to only service certain areas. These companies lean to focus in antique car insurance and will not cover any other types of cars.

There are also many insurance companies presented to purchase car insurance for a classic car. These companies tend to specialize in Classic Car Insurance and will not insure any other types of cars. Some of these independent insurance companies will only insure a particular type of classic car, so if the car you are attempting to insure is a rare one, if may be difficult to find an insurance provider that will insure it. When choosing an independent insurance company to provide car insurance for a classic car, be sure that the company is a reputable one. You do not want to find that after months of paying the insurance premiums that the company will not or is unable to pay your insurance claim.

cruise-insruance

Compare Cruise Insurance – You often get what you pay for!

When planning a travel vacation or cruise vacation, the last thing that one wants to think about is trouble or cancellation. Thus travel and cruise insurance is often left on the back burner. However, when the time comes to purchase your vacation insurance, be sure that you compare cruise insurance and travel insurance policies to ensure that you are getting what you expect. As always, it’s “buyer beware”!

That’s not to say that all insurance policies and companies are out to deceive you or hide the terms of insurance pay-outs. In fact, most are very reputable. The problem comes when trying to economize while buying insurance. You really do “get what you pay for” in most cases – especially when you compare insurance policies.

There are often so many variables when purchasing cruise insurance or travel insurance that we can become somewhat complacent with what we are purchasing. Again, “Buyer Beware!” Make sure you know what’s available and what’s included in your insurance policy package. As an example, insurance companies like Travel Guard International, America’s largest provider of travel insurance offers a wide range of benefits with their Comprehensive Coverage. Included in Travel Guard’s packages are the following benefits:

  • · Trip Cancellation – Providing reimbursement of 100% of trip cost if the trip is cancelled under the terms of the insurance policy.
  • · Trip interruption – Providing reimbursement of trip cost if the trip is interrupted as covered by the insurance policy such as evacuation due to hurricane.
  • · Trip Delay – Providing reimbursement for additional accommodations or travel expenses if the traveler is delayed for more than several hours.
  • · Lost, Stolen or Damaged Baggage and travel documents – Providing reimbursements if luggage is lost, damaged or stolen while the insured is traveling, or if travel documents are lost or stolen.
  • · Baggage Delay – Providing reimbursement for the purchase of essential items if your bags are delayed more than 24 hours.
  • · Medical Expenses – Providing reimbursement for necessary medical expenses up to one year after the illness or injury providing the insured traveler sought medical treatment while on the trip.
  • · Emergency Medical Transportation – Covering the cost of evacuation and transportation to the nearest adequate medical facility.
  • · Travel Guard Assistance – A 24 hour hotline for emergency assistance, medical referrals, prescription replacement assistance, replacing travel documents and more.
  • · Livetravel – Travel Guard’s round the clock travel agent service for emergency or last minute travel changes such as rebooking flights, arranging hotels and ground transportation and tracking lost luggage.
  • · Concierge – 24 hour worldwide access to restaurant referrals/reservations, event tickets, tee times, floral services, ground transportation and more.

As well, in many cases, travelers purchasing Travel Guard insurance within 15 days of making their initial trip payment also receive at no additional cost:

  • · Pre-Existing Medical Condition Exclusion Waiver – protection if pre-existing medical conditions force cancellation or interruption of a cruise or trip.
  • · Default Protection – providing reimbursement of trip cost if the tour operator, cruise line, airline or other travel supplier declares bankruptcy more than seven days after the effective date of the policy.
  • · Change Your Mind – protection against cancellation fees when a trip is cancelled for any reason.

Please keep in mind that these benefits are subject to change, but at the time of this printing, are available. The above describes a comprehensive cruise or travel insurance policy. However, as they say, one size dose not fit all. You need to match your coverage requirements and budget restraints. Again, dealing with Travel Guard International, some of their popular products include:

  • · Cruise, Tour and Travel – Travel Guard’s most comprehensive travel insurance plan.
    · ProtectAssist – Solid travel insurance for the budget-conscious traveler – and Travel Guard’s most popular plan.
  • · Cruise Guard – Travel insurance designed to surpass the protection plans offered by the cruise line.
  • · Air Ticket Protection – Protects air ticket investment against change fees, adds other assistance services.
  • · Student Travel Guard – A portfolio of student travel insurance plans protecting students on virtually all types from Spring Break to Semester Abroad.

We have identified, through the use of Travel Guard International’s plans and policies a vast number of cruise insurance options. We have stated before, but at the risk of being too repetitive, I think that it is important to re-iterate. “You get what you pay for. Buyer beware!”

If you would like more information regarding
Travel Guard International or would like to get a quotation for cruise or travel insurance, check out our article “Travel Guard International Cruise Insurance”. For more informative articles, check out our Article Map. If you are looking to choose or book a cruise, our main Discount Cruises pages have plenty of merchant links with great cruise pricing.

You’ve researched for your special cruise. You’ve found a fantastic cruise deal on-line. You’ve booked that cruise on-line. You’ve protected your cruise vacation investment by booking your insurance on-line. Now all that’s left to do is to get excited!

car insurance

When Shopping For A New Car Make Sure To Shop For The Best Insurance Rates As Well

Most people spend more time shopping for their car than they do shopping for the best auto insurance rates. This is a mistake. As a smart consumer, you need to allot time for getting the best rate for your insurance. Your three goals are getting the best insurance rates, getting the best financing and getting the best price.

If you don’t shop around for the best rate your insurance premium can be more than your car payment. I’ve seen it happen and it’s not pretty. You are all happy and excited about your new car up until you find out how much the insurance is going to cost you. Then you struggle just to make the insurance payments. Or worse, you cut coverages to keep within your budget. For example, having the highest deductible, $1,000-$2,000.

It’s not hard to shop around for the best rate either. There are several comparison sites that will give you several quotes from multiple insurance companies to make sure you get the best rate. Use them. It only takes 10-15 minutes and it can save you from plenty of financial headaches. Just like the Geico commerical says, “15 minutes could save you 15% or more,” 15 minutes on a insurance comparison site will guarantee you get the best car insurance rates available.

When you do shop around, always be sure to have a copy of your current policy available for comparison. This will make getting the quote as painless as possible. That way you compare all the coverages and make sure you are getting the same discounts with the new company as the old one.

One thing that can surprise you is monthly payment fees so be on the lookout for these. Some companies charge you a monthly fee when you make monthly payments, maybe $3-$4 a month. That’s an extra $36-$48 a year you need to factor into your comparisons.

There’s nothing like thinking you’re getting a great deal only to find out it’s a good deal once all the dust is settled and you get your new policy. If you’re only going to save a few dollars a month after you switch to the new company maybe it’s best to stay put. Sometimes you will lose loyalty discounts with your current company that you won’t get with the new company. Or the customer service or claims service is great at the current company. These days that is worth more than a few dollars a month to me so keep these small things factored into the equation.

Shopping for car insurance is quick and easy and you may even save hundreds of dollars per year. All it takes is about 15 minutes. Make sure you put ‘shop for car insurance’ on your car wishlist when you go car shopping.

modular homes montana

The Best Mobile Home Insurance Options

The Best Mobile Home Insurance Options

Mobile Home Insurance is treated and handled in a different manner than insurance for homes that are built on site. This is because mobile homes are not built onto a foundation, but this should not separate your ability to get insurance for your home because of the way it was built. Your house is your home, it protects you and your family from all kinds of weather and gives you a place to sleep at night. Without your home, you could be left on the street to fend for yourself. This should be reason enough to convince you that you really need to have manufactured home insurance in case push comes to shove about your home.

What Risks Do Mobile Homes Face?

Mobile homes are at greater risk for many things rather than homes built on site. Sadly, theft is one thing manufactured home owners have to worry about more than their neighbors with a foundation. These types of home are also more vulnerable to the elements and can take greater damage since they are not built into something solid in the ground. The building materials are also more prone to fire risk. Because of all these reasons and more, you should have Mobile Home Insurance. These risks don’t make your home any worse to live in but it does add some risk factor. It is always better to be safe than sorry, especially when it comes to your home.

Do You Need Manufactured Home Insurance?

Mobile Home Insurance comes in a wide variety of different coverage bundles in case of accident. You might live in an area where fires are more common and storms are not, so you could get a bundle which fits your needs. If you live in a mobile home, the bottom line is that you need insurance. Sadly, you are at a greater risk than everyone else and no one can afford to lose everything and have no backup plan. Take your safety into your own hands and avoid being unprotected.

Manufactured Home Insurance

Have you purchased modular homes montana? Having insurance for your mobile home will allow you much needed peace of mind. You’ll be able to sleep at night knowing you and your family will be taken care of in case an emergency situation strikes. You won’t be left to fend for yourself because the insurance will ensure you have someone fighting on your side to get you back into a house, safe and sound.

Learn more about Manufactured Home Insurance in the video below:

Getinsuronline.com helps you learn more about the who, what when, where and why of online insurance.

rv insurance

Buying Montana RV Insurance

Buying an RV is one of the most fun and adventurous purchase you can make in terms of a vehicle. It allows you to get on the open road as quick as possible, and take all the essentials with you to make sure you are not only living life to the fullest but giving you and your family the enjoyment of a lifetime. Although RVs are extremely fun, they can also be dangerous if you do not know how to properly operate them. Fortunately, there is RV insurance that allows you to make sure you are covered if bad situations ever present themselves. RVs come in all shapes and sizes and there is no one-size-fits-all approach to affordable motorhome insurance and camper insurance. You need to be sure to shop around, be smart, and find the perfect quote and plan for your new motorhome.

Depending on the kind of RV insurance you get, there are different policies in place in terms of coverage. You can choose between total loss replacement coverage, campsite and vacation coverage, different kinds of expenses being covered during your trip, roadside assistance for your RV or motorhome, or even full-timer coverage if your RV happens to be the residence you reside in full time. There is a big different in purchasing camper insurance and motorhome insurance than that of car or boat insurance, for instance, and one that requires a lot of different research. The reason being is that RVs can also double as an actual home so they require a more intricate look when purchasing. Be sure not to leave yourself shorted or you may find RV insurance that does not cover much at all in the way of an actual mobile home.

The importance of your Montana RV insurance can not be misconstrued as it is one of the largest vehicles that a regular civilian can operate. It doubles as a home, meaning that you are spending anywhere from $20,000/$30,000 to upwards of $200,000/$250,000. This is the same price as an actual home and must be treated with the same amount of quality and attentiveness. Totaling an RV can not only be costly but can be detrimental if this is also the place you call your address. At the end of the day, all it takes is great research and purchasing the type of plan that covers you and everyone involved so that no one ever has to worry about anything like that again.

Getinsuronline.com helps you learn more about the who, what when, where and why of online insurance.

insurance1-1024x768

Online Insurance – Insights And Information

home-insuranceWhenever you’re thinking about a certain insurance, there’s one single thing that you have to do – get the quote directly online. You might be wondering about it, but yes, it’s possible, as many insurance companies have diversified their services and this is something that many of them have included in their portfolio.

This being said, let’s take one situation when you have a car and you need to look for a new insurance for it. You always have the possibility to go to an insurance broker, but looking for it online might give you some interesting results.

Let’s see some interesting things about online insurances – costs, the quotes and when you need them.


The Need

First of all, you need to have an insurance for your car – which is mandatory, for your house and for your business.  Many insurance quotes will be based on what your car is worth.  You can find what your car is worth on sites like KBB.  Those quotes may also depend on the year, make and model of the vehicle.  We have found that used cars billings mt are the lowest in the US to insure.  Car lots provide free information on insurance quotes and sometime pay your first year. The rest of the insurance types are optional, but it’s good to have them, just in case something bad happens. However, when you buy a new car or a new house, the law requires you to have an insurance made in your name, as you’re the new owner for that item.


The Costs

Depending on the type of insurance that you want, the costs will be different. However, it’s not just about the insurance company that offers it, but it’s also about the broker – if you choose to get one online, it will be cheaper, while at the broker, the price will be a little higher, as they have a commission for this type of service.


Getting the Quote

Online Insurance Exam Flash CardsNow, here comes the most interesting part – you don’t have to go to the broker to get the quotes for the insurance – you can do it directly online. It’s an easy process and you don’t have to be a computer whiz to see how much money you have to pay for the insurance you need.


First Step

First of all, you have to identify a website that offers online insurance quotes. All you have to do is look for these words and the search engine will definitely give you plenty of results to choose from. It’s good to chose among the top results, as those are the ones who are trusted by the clients and the sites are also relevant for your search.


Second Step

Once you’ve identified a website, you have the possibility to choose the type of insurance that you want – car insurance, house insurance, business insurance or even life insurance. Some web sites also allow you to make a combination of these, as they might offer you a discount if you choose more than one.


The Data

Now that you’ve chosen the type of insurance that you want, the web site will ask you some relevant information. For example, for a car, they will ask you to use the papers of the car, where you’ll find info about the type of the car, when it was made, when it was registered and so on, but also information about the owner (if you’re the owner, you’ll need the driving license to get information about when you’ve taken the exam for driving and so on).

If you’re looking to get an insurance for a house, the procedure might be similar – the web site will ask you information about the house – when it was built, what is the value and so on.


Online Auto Insurance QuotesThe Quote

Once you’ve done with filling all those details, the website will give you different online insurance quotes, from different insurance companies. This simulation it’s not contractual, so you don’t have to go further. The quotes are shown to you just to know what the price would be if you decide to go with any of the insurance companies – different people have different preferences, so you can choose anything you want.

However, if you decide to go further, you will have to choose one of them and select “next” or “go further” or “finish the order” and this formula can vary from site to site. They will send you the insurance at your chosen address and you have the possibility to pay online or when you receive the papers.