Insurance warning

As far as I can determine ,all these Brokers have multi level rates which offer the option of paying a higher premium to qualify for Higher Labour Rates!

It's all a bit of a shell game as the Actual Insurance Companies are the people determining the final rate charged ,not the Brokerage firm!

If You request ,a bump up to cover the higher Shop Rate ,all the Brokers will be happy to sell You the more expensive coverage!

That said Those same Agents always Claim to Have the Best rates and or the Best Coverage! They seldom even mention the options available to You!

Nobody in Business would be dumb enough to advertise that They have the Most Expensive Rates!

Unfortunately most of Us buy Insurance based on the Lowest price first, followed by the reputation of the Broker, when what We should be doing is asking whichever Broker to quote on whatever coverage We expect to receive , deductible We are willing to pay out Ourselves ,plus Maximum payout on the Vehicle should a claim be necessary!

You get what You pay for when buying Insurance regardless of who You choose to Buy from ! Drive carefully and be prepared to shell out on the Deductible, and do proper research before signing on the bottom line!

Talleyho69 wrote:
In our experience, and those we listen to, Lewis and Lewis not only have the best rates, they are easy, and are there for you. We have used them for years.

Let's hear it, Art and Gillian!!!

Yes, they paid out a reasonable value. At first Qualitas were very easy to work with but we needed the brokers, Lewis and Lewis to lean on the adjuster at the end. Nothing but good to say about Lewis and Lewis.

And, - off the top of my head - Discover Baja and Baja Bound have been selling a lot of HDI Seguro (not only for Baja - click on the "Territory" that you need)

correct,they are all brokers. Lewis is probably the largest agent for qualitus. It seesm that Bonita West sells Qualitus at 25% discount to Costco members. https://www.bonitawest.com/Costco/frm_Home.asp

Talleyho69 wrote:
In our experience, and those we listen to, Lewis and Lewis not only have the best rates, they are easy, and are there for you.

Tequila was not talking about US brokers. It's all about Mex insurer. Lewis is a broker. Qualitas, ACE, HDI Seguro are insurers. Coverage sold by the broker is only as good as the Mex insurer. Some do have caps on labor. Some even go belly up while you're on the trip - though in the last 10 or 15 years this didn't happen.

In our experience, and those we listen to, Lewis and Lewis not only have the best rates, they are easy, and are there for you. We have used them for years.

Let's hear it, Art and Gillian!!!