Finding the Best Mexico Insurance Solution For Your RV

For the bold and adventurous RV enthusiast, Mexico can be an RVers paradise. There are hundreds of incredibly scenic and not too crowded RV parks up and down the shores of the Baja Peninsula and Mexico’s Pacific coast. The weather is nice, the sport fishing is great, the surf is always up somewhere, and the free-spirited culture makes for a friendly and entertaining community. But before the fun begins, you need to make sure your beloved travel companion, your RV, will be protected with the proper insurance in Mexico.

For those of you not familiar with the rules about Mexican auto insurance, here is your crash course. Mexican authorities, meaning the Mexican police and the Mexican court system, do not recognize US or Canadian vehicle insurance. At a bare minimum, you must get a Mexican liability auto insurance policy to pay for damages you might cause to third parties. If you do not have liability insurance that is underwritten by a Mexican insurance company, you could face a real nightmare if you were involved in a traffic accident. If you are in a traffic accident in Mexico and you can not prove that you can pay for the damages you caused to a third party with a Mexican insurance policy, there is a good possibility that your vehicle will be impounded and you will be detained until you come up with the funds to pay for the damages. All of this hassle can be avoided if you have a Mexican liability insurance policy that demonstrates your ability to pay for the damages. So always purchase a Mexican insurance policy before you drive your vehicle into Mexico.

OK – So now that you understand that you must get a Mexican RV insurance policy, you are now probably wondering where to purchase this insurance, and what coverage do you actually need. This article will give you a road map of how to shop for your Mexico RV insurance.

Is your RV registered in the US or Canada?

This actually can make a huge difference in the options available to you for insuring you RV in Mexico. Many US RV insurance companies have recently introduced special RV insurance programs which actually extend physical damage and theft insurance coverage in to Mexico. Sorry Canadians, at this time there are no Canadian RV insurance companies who extend any type of RV insurance coverage into Mexico, but perhaps this will change in the future. Until then, this portion of the article only applies to US registered RVs.

Some US RV insurance carriers extend physical damage and theft coverage in to Mexico.

So if your RV is registered in the US, you may want to seriously consider getting your US RV insurance through a US RV insurance company who extends physical damage and theft coverage in Mexico. At the time of this article, these companies include Progressive, National Interstate, and AIG. If you go with one of these US carriers, you will only need to purchase a Mexican liability insurance policy instead of a Mexican full coverage insurance policy. Because these US carriers will pay for damages to your RV while it is in Mexico, this alleviates the need for you to also purchase any type of physical damage and theft coverage through the Mexican insurance carrier. A Mexican liability only policy is much cheaper than a Mexican insurance policy which includes physical damage and theft coverage.

Example of cost savings when you have US RV insurance that extends physical damage and theft coverage in to Mexico:

Cost of your US RV Policy for an RV worth $80,000: $800 per year

Cost of your Mexican liability only policy for 6 months: $125

Total Cost: $925

Example of your cost if you have a US RV policy that does NOT extend physical damage and theft in to Mexico.

Cost of your US RV Policy for an RV worth $80,000: $800 per year

Cost of your Mexican full coverage policy (liability and collision / theft) for 6 months: $700

Total Cost: $1,500

As you can see, you can save a considerable amount of money by going with a US RV insurance policy that extends physical damage and theft into Mexico. It becomes a two for the price of one insurance policy.

Tips for shopping for US carriers who extend into Mexico: Make sure to ask how far into Mexico their coverage will extend. Some US companies only extend coverage 25 miles into Mexico, so make sure to ask specifically about this. Only buy a policy that covers your RV for the entire country of Mexico.

If your US RV insurance extends into Mexico, you will still need to purchase a Mexican liability insurance policy for your RV. Do not forget to purchase your Mexican liability policy!

Mexican insurance for Canadian registered RVs

As stated previously, there are currently no Canadian insurance companies who offer RV insurance programs that extend coverage into Mexico. So if you want to physical damage and theft coverage for your RV while it is in Mexico, your only option is to purchase the physical damage and theft coverage through the Mexican insurance carriers. This is not a terrible option, but you will need to do some careful shopping to make sure you are getting quality Mexican insurance for your RV. This option also applies for US registered RVs that are insured with a US company who does not extend physical damage and theft coverage into Mexico.

Where to purchase your Mexico RV insurance

Although you could wait till the last minute to buy your Mexican insurance at the Mexican border, most RVers choose to plan ahead and purchase their Mexico RV insurance through a US or Canadian insurance broker well in advance of their Mexico trip. The internet is the best place to find a company who sells Mexico RV insurance.

Not all Mexico RV insurance is the same!

When shopping for Mexico RV insurance on the internet, you can either get a quote directly off of the website or you have the option to call to get a quote over the phone. This process usually takes only a few minutes. Many of the internet websites for Mexican insurance offer multiple Mexican insurance carriers, so you will be able to compare prices and insurance coverages in order to select the best plan for your situation.

When comparing Mexico RV insurance, make sure to research the following coverages and benefits.
Deductibles: Make sure to understand your deductibles. Some Mexico RV insurance deductibles are based on a percentage of the value of your RV. For rigs valued over $50,000, these deductibles can get really high. Some other companies offer fixed deductibles which will lock in your deductible at a fixed amount regardless of the value of your RV.
Labor rates for repairs made in the US or Canada: Make sure to look for Mexico RV policies that allow you to repair your RV in the US or Canada, and check to see what the hourly labor rate is that the Mexican insurance company will pay for these repairs. Some of the less expensive Mexico RV policies will only pay $20 per hour for US repairs, while some of the better Mexico RV policies will pay $75 per hour or whatever the current US labor rate is. This is obviously the preferred choice.
Liability Limits: With insurance, higher liability limits are always better. It is recommended to get a minimum of $70,000 worth of liability insurance in Mexico, but many policies will go as high as $300,000
Legal Service: All of the quality Mexican insurance brokers will include legal services at no extra charge. Do not buy a Mexican insurance policy that does not include legal service coverage.
Medical Evacuation, Plane Tickets Home, and other Travel Assistance coverages: Some of the better Mexican insurance vendors will also bundle in these travel assistance coverages at no extra charge. These are excellent coverages to have, so it is highly recommended to find a Mexico RV policy which includes these extra travel assistance insurance coverages.

If all of this information has your head spinning with questions, you can always call a Mexican insurance broker and let their customer service people answer your questions. If the vendor has a website, make sure they have a valid insurance license listed on their website, and they should also have links to their Better Business Bureau statistics available. Unfortunately, there are some vendors who are more professional than others, so do some research to make sure you are working with a quality insurance broker who has a solid reputation.

Armed with this information, you should be on your way to properly insuring your RV while in Mexico. Once the Mexico RV insurance is secured, you can then focus on having a fun and exciting RV adventure in Mexico.

Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance pro

39. 65,100 = insurance sales rep

40. 60,000 = insurance designer

41. 59,400 = insurance sales person

42. 55,600 = life consultant

43. 54,500 = group agent

44. 52,200 = ins agent

45. 50,100 = estate adviser

46. 50,000 = insurance pros

47. 46,800 = insurance counselor

48. 43,800 = financial pro

49. 43,400 = insurance salesperson

50. 40,200 = insurance sales specialist

51. 37,700 = life producer

52. 37,000 = insurance sales executive

53. 35,400 = independent insurance brokers

54. 34,700 = long term care professional

55. 34,500 = financial planning advisor

56. 33,900 = medical insurance specialist

57. 31,300 = health insurance professional

58. 29,300 = life insurance expert

59. 29,000 = insurance rep

60. 28,900 = financial planning advisor

61. 27,500 = health insurance specialist

62. 26,000 = health insurance advisor

63. 25,500 = independent insurance professional

64. 24,700 = employee benefits specialist

65. 24,000 = life advisor

66. 22,900 = life insurance advisor

67. 21,800 = life insurance sales specialist

68. 19,900 = life insurance professional

69. 19,300 = insurance producer

70. 19,200 = licensed financial planner

71. 16,200 = health insurance producer

72. 14,900 = insurance sales consultant

73. 14,000 = term life insurance broker

74. 12,800 = long term care specialist

75. 12,700 = annuity specialist

76. 12,500 = estate planning specialist

77. 12,200 = insurance marketer

78. 11,950 = life insurance representative

79. 11,900 = insurance planner

80. 10,600 = insurance sales professional

81. 10,400 = life insurance advisor

82. 10,200 = insurance writer

83. 9,650 = insurance recruiter

84. 9,480 = financial planning advisor

85. 9,030 = estate planning advisor

86. 8,570 = annuity broker

87. 7,520 = insurance general manager

88. 7,070 = insurance trainee

89. 6,800 = long term care insurance specialist

90. 6,670 = term life insurance agent

91. 6,440 = long term care insurance agent

92. 5,870 = licensed life agent

93. 5,300 = financial insurance agent

94. 5,270 = annuity agent

95. 5,080 = ins professional

96. 5,030 = medical insurance professional

97. 5,010 = disability insurance agent

98. 4,990 = employee benefits professional

99. 4,430 = mortgage insurance agent

100. 4,200 = disability insurance specialist

101. 3,900 = long term care agent

For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.

If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.

Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing “insurance agent for many products”, try this, “medical insurance professional and disability insurance specialist.” Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an “insurance agent” search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.

Well published author, Don Yerke likes to concentrate on what you don’t know or what no one else dares to print. Tell it like it is.

Watch for his new paperback book debuting on Amazon early this summer. It is loaded with great insurance marketing and recruiting information.

Health Insurance Help to Lower Your Premium

Illness for non-work related injuries can be financially devastating. Insurance keeps you protected against disastrous health care expenses and lost wages. There are enormous health insurance plans available day-to-day, the insurance cost and its benefits vary from one plans to another. Before enrolling for a policy, an individual should consult with the insurance agencies, read the policy to get the complete information about the benefits and costs and also the way the plan works.

Today, there are many more kinds of health insurance to choose from than were available just a few years ago. Traditional differences between and among plans do not longer any more. Also, there is been an increased emphasis on the role of consumers in managing their own health care and health care finances. There is a focus on providing information on the cost of care and health care quality-at the level of the physician, physician group, and hospital-to help consumers and employers choose among the many options available to them. The things have changed a lot, when most people in the United States had health insurance has indemnity insurance (also called as fee-for-service or traditional insurance). This type of insurance coverage assumed that the medical provider i.e. doctor or physicians will be paid a fee for each service provided to the patient.

When we talk about health insurance, we usually mean the kind of insurance that pays medical bills, hospital bills, and typically, prescription drug costs. Nowadays, the insurance also covers Medicare and Mediaid that provides health insurance coverage for certain people, senior citizens, people with disabilities and also an individual and families with low income. Today, the online information helps an individual to compare two best insurance policies and choose best among it. The insurance help an individual for financial planning and accordingly choose the best suitable for the family. The policy helps to avoid the burden of expensive medical bills and ensure the penny paid in health plan is paid for your care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive.

In spite of available health insurance help online, unfortunately many Americans are still uninsured or underinsured. Some may be eligible for private or government but may have difficulty in finding the maze of complex rules and insurance jargons. Many more may not even have chosen the plans due to non-affordability coverage or may not be eligible for any. To help you choose right plan, we give you an overview of programs and strategies for seeking free or reduced-cost health care and managing medical debts.

Why does an individual require health insurance?

As the science and medical care advances, the ways of treatment are also increasing simultaneously. The main purpose of health insurance is to help in paying for care. It protects you and your family members in an unexpected serious illness and injury that may be high in cost. Additionally, you are more likely to get regular and routine checkups, if you have an insurance policy. Every individual requires insurance policy because you cannot predict your illness, injury and your high paying medical bills. One must seriously consider the need for health insurance for own and family. We also know that there is interlinking between having health insurance and getting protective health care. The research states that people having health insurance are more likely to have a regular doctor and get care when it is needed.

How should one get health insurance?

Most of the people get health insurance through their employers or company which they belong to. This is formerly known as group insurance. Some individuals don’t have access to group insurance. In this case, one may choose to purchase their own individual health insurance directly from public or privately owned insurance company. Most of the Americans in North America get health insurance through government programs that operate at National, State & Local Levels. Insurance- whether provided by your employer or purchased by you – can be both expensive and complex. To understand better option, you must take health insurance help from the experts and advisors.

Group Insurance:
Group Insurance is basically offered by the employers or else by an organization of which you are a member of union, professional association wherein you may get group coverage. The employee has to choose between several plans been offered by an employer’s including both indemnity insurance and managed care. Some employer may only offer one single plan. Some group plans may also include dental care with the health and medical benefits. Hence, it is a very important decision to be taken by and employee before choosing any insurance benefits offered by employer or an organization. It is also essential to compare plans to find the one that offers the benefits as per your need. Once you choose an insurance plan, you usually cannot switch over to another plan until next open season, usually set once a year.

In group health insurance, employer usually pays portion or all of the premiums. This means your costs for health insurance premiums will be lower than they would be if you paid the entire premium alone.

If you are a member of group insurance offered by an organization, you are benefited from being a member of a large group. You will have to pay lesser premium than an individual would be paying. However, the organization often does not pay a share of premium, meaning you are responsible to pay complete premium by yourself.

Individual Insurance:
In an individual Insurance, you get the coverage directly from the Insurance Company. You don’t have any access to the group insurance offered by an employer or an organization. When you buy you own insurance, you have to pay entire premium rather than sharing with an employer according to Group Insurance. In individual insurance, you do not share any cost of premium with your employer. You should analyze and choose an individual insurance plan that fits your needs at a price that you are willing to pay; you should also consult a tax advisor to find out whether you are eligible for any tax deduction as per the insurance plan.

Insurance variably differs from one company to another within an insurance industry, from one plan to another and one product to another. Hence, choosing right company, right product, right plan are the important criteria before choosing any plans.

Which type of health insurance is right for you?

Whether you choose group insurance or an individual insurance plan, you must carefully compare coverage and costs. You should compare the following important aspects like coverage and benefits, premiums, exclusions and limitations, access to hospitals, doctors, and other providers etc…

One must consider what kinds of services are covered by the plan? How are benefits being availed of health insurance plan; do you have to submit a claim? When do you need pre-approval to ensure coverage for care? What steps do you need to get the care of you and your family members need? You must ensure how does your insurance plan works. Don’t wait until you need emergency care to ask questions.

I am an author having an experience of 28 years in Insurance Industry having done the in-depth study of Insurance. Considering some knowledge, I hereby have shared some information and views about insurance, also some facts, figures and recommendation which enables an individual to choose right insurance policy from right person.