While auto insurance is not mandatory in Mexico, it is highly recommended. Even if your U.S. auto insurance policy states that it has Mexican coverage, Mexican authorities will not accept it in the event of an accident. There are many Mexican auto insurance companies that provide a variety of coverage, deductibles, limits and rates. Many U.S. insurance agents near the U.S.-Mexican border sell these policies, as well. Buy a Mexican insurance policy that ensures an insurance adjuster and an attorney will come to the accident scene. According to "Mexconnect," this is important because police can detain you (even if you have insurance and the accident was not your fault) at the scene of an accident until fault is clearly established.
So, you've purchased your Mexican auto insurance policy for your American vehicle, and you're ready to cross the border. Make sure you have all the proper paperwork and fees ready, or you're going to face delays and interruptions. You will need the original documents (as well as two copies) of several documents---passport; immigration form (tourist visa); vehicle registration certificate that certifies the ownership of the vehicle in the driver's name; valid driver's license; and an international credit card (Visa or MasterCard) in the driver's name. According to a travel advisory on "Mexonline," you must acquire a permit to drive your vehicle into Mexico. You can one get at the border customs office or at most Mexican Consulate offices found in California, Texas and Illinois. Keep track of all your documents, or you will have issues bringing your vehicle home with you.
Renting a car in Mexico is typically more expensive than U.S. car rentals because you also pay for Mexican insurance, according to an article in "Mexperience." You must bring a valid driver's license and credit card to the rental agency. Many people pay for auxiliary insurance, such as collision and theft insurance, rather than just sticking with liability insurance. This is highly recommended. Many people also take photos of the rental car before they leave the agency, especially if it has dents or scratches, to avoid being charged fees for damages they did not inflict.
Don't plan on driving in Mexico if you do not understand basic Spanish or what the Mexican road signs mean. Some signs are similar to American signs. For example, "alto" means "stop," and the sign is the octagon shape in a red color. When it comes to drivers' right-of-ways, the standard rule is to yield to the larger vehicle. If you want to switch lanes, you'll usually have to barge into the lane rather than waiting for someone to let you in.
It is not enjoyable to drive in some areas of Mexico, such as Mexico City or small, cobblestone-lined villages. The bad traffic in Mexico City is infamous, and drivers are known to pull over and physically fight when someone cuts another off in the road. If you are staying in a more moderate-driving region, such as the Yucatan, try to avoid driving in the evening and when the roads are wet and slick.
