My advice is, check with your USA Insurance company, see if they will cover your comp and collision within the 75 mile mark, some do. If they do then simply buy the Liability only coverage for your stay in Mexico. It is super cheap and is required. If you email my friend Karen Padilla with Qualitas (very large company)she can send you a quote for whatever you need, she is a local and her adjusters work here and are on the spot quick. her email is penasco@qualitas.com.mx her number is prefix (01152)638 388-9700. She speaks English and is super nice to work with. Tell her Russ sent you!