I have an annual policy for liability with ADA VIS. I found them very easy to work with and they send me a reminder about two months in advance for my renewal. I usually explore Mexico on one of my motorcycles and generally take a different one each trip. That makes the annual policy, written on my drivers license, the best option for me as it covers any vehicle I drive. Last November I drove my pick-up down to Creel and planned on leaving the truck parked in Creel for a week while I explored the remote areas of Copper Canyon. On the drive down I thought that it would be a good idea to get full coverage on the truck for the trip. I called ADA VIS on my cell phone and the new policy for my truck was FAXed to the next hotel I was staying at on my way. It's hard to get any better service than that.