Baja Auto Insurance provides coverage for Texas drivers who have been denied elsewhere, but it gets mixed reviews.
Texas drivers have dozens of options when it comes to car insurance coverage. Baja Auto Insurance is a popular choice among drivers in the Dallas/Fort Worth area. Keep reading to see what we learned in our Baja car insurance review, and use the tool below to start comparing quotes from the best car insurance in Texas. We’ve reviewed the best auto insurance providers and compiled a list of the ones we consider the best.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
You can either use our tool below or call us at (844) 246-8209 to start comparing personalized car insurance quotes:
In this article:
- Baja Auto Insurance Overview
- Baja Auto Insurance Coverage
- Baja Auto Insurance Discounts
- Does Baja Auto Insurance Have Coverage For Travel In Mexico?
- Baja Car Insurance Reviews
- Our Take On Baja Auto Insurance
- Other Recommendations
Baja Auto Insurance Overview
Baja Auto Insurance has been selling policies to Texas drivers since 2006. It operates 59 offices across the Dallas/Fort Worth area and offers bilingual services. Baja Auto Insurance prides itself on offering its customers competitive rates and efficient service. According to its website, an agent can provide a quote and help a customer purchase a policy and print an insurance card in minutes.
The company can find coverage options for drivers with clean driving records and those with blemishes, such as tickets, accidents, and DUIs, that often make it difficult to find coverage. Baja Auto Insurance offers policies that can cover a wide range of vehicles, including:
- Dirt bike
Baja Auto Insurance Coverage
There are several types of standard auto insurance. Some of them are mandatory in all cases, some are required for certain drivers, and others are optional in some states. Here are the following types covered:
- Uninsured/underinsured motorist
- Medical payments
- Personal injury protection (PIP)
Baja Auto Insurance offers roadside assistance coverage that includes towing, jump-starting a dead battery, pulling a vehicle out of snow, changing a flat tire, helping a driver who is locked out of a vehicle, and bringing fuel if the driver has run out. The company sells a variety of policy types, including multi-policy and multi-car.
Baja Auto Insurance Discounts
Insurance premiums are based on a multitude of factors. Some are specific to you, and others have nothing to do with you as an individual. Some factors include:
- Relationship status
- Driving history
- Credit score
- Type of car
Auto insurers typically offer discounts that help drivers who meet certain criteria save money. For example, Baja Auto Insurance offers multi-policy, multi-vehicle, good driver, and student discounts, among others. There is not a full list available on their website.
We recommend either using the easy tool below or calling (844) 246-8209, so you can be matched with the best rates and providers available in your area:
Does Baja Auto Insurance Have Coverage For Travel In Mexico?
All Texas drivers operating a vehicle in Mexico must have liability insurance issued by a company licensed in Mexico. Your U.S. car insurance policy most likely won’t cover you at all if you take a trip south of the border and get into an accident. Driving in Mexico without Mexican insurance could land you in financial hot water, and possibly even in jail.
You will need to purchase a separate policy to cover you for the time you intend to visit Mexico. If you plan to rent a car in the U.S. and drive into Mexico, you can buy collision coverage from the rental company, but you’ll need liability coverage from an insurance company licensed in Mexico.
Rates vary based on the types of coverage included, the time period covered, the insurance company providing coverage, and when the policy was purchased. Bring your car’s registration along for your trip to Mexico. Border officials may request that document to prove the vehicle wasn’t stolen and you aren’t trying to import it illegally.
Baja Car Insurance Reviews
Baja Auto Insurance has received an F rating from the Better Business Bureau. The BBB cited the reason for the rating as “failure to respond to one complaint filed against business.” Baja Car Insurance reviews are mixed, but there are few customer reviews available online. Here are some that we were able to find:
Positive Baja Car Insurance Reviews
“Great quote and great customer service from [customer service provider]. She found me a price that I could afford full coverage with everything I need! Thanks again.”
- Angela A. via Yelp
Negative Baja Car Insurance Reviews
“I was not notified of my policy being canceled or why it was increased. It was also canceled the day after we paid it.”
“This has got to be one of the most unprofessional businesses I have ever been to. I would recommend any and everybody stay as far away.”
Our Take On Baja Auto Insurance
Baja Auto Insurance lets drivers in Texas compare quotes from several insurers at once to save time and find the best rates. With dozens of offices across the Dallas/Fort Worth area, it’s easy for customers who prefer a face-to-face conversation to speak with a local agent. It also offers several premium payment options.
Baja Auto Insurance finds coverage for customers with all sorts of driving records. Its agents can quickly connect customers with affordable insurance policies. Drivers who plan to visit Mexico will have to look elsewhere for tourist auto insurance, since Baja Auto Insurance doesn’t include that among the types of coverage it offers.
The company has earned mixed reviews when it comes to the quality of its customer service. It may still be a good option, though, for drivers who are looking for inexpensive coverage or who have had trouble finding a car insurance policy elsewhere because of problems in their driving history.
Save time by comparing several quotes at one time
Doesn’t offer Mexico tourist auto insurance
Offers coverage to customers with problematic driving records
Mixed reviews on customer service
Dozens of offices in Dallas/Fort Worth area
Gives customers several ways to pay premiums
Before purchasing a car insurance policy, it’s always a good idea to request quotes from several companies. We’ve taken an in-depth look at the best auto insurance companies and compiled a list of the ones we consider the best.
Geico: Best Overall
We reviewed Geico as the best overall choice for auto insurance because it offers drivers a range of options and competitive prices. In addition, Geico has received an A++ rating from AM Best and an A+ from the Better Business Bureau. For more information about coverage, discounts, and customer satisfaction, read our Geico review.
Progressive: Best For High-Risk Drivers
In our Progressive review, we found that Progressive is a good choice for those on a budget. It lets customers use the Name Your Price® tool to find coverage that matches their budget. The company also offers several other options to earn discounts and has earned an A+ rating from AM Best.
Use the tool below or call (844) 246-8209 to compare the best options for you:
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