auto registration and insurance in puerto rico
Every time we drove past the big yellow and red “MARBETES” sign we felt it, even if Holly occasionally left it unsaid: “We probably SHOULD figure out how to renew our vehicle registration sticker….” Well our sticker or “marbete” expires at the end of this month so I could procrastinate no longer. The following is the result of my wait-till-the-last-minute on the ground and online research.
In Texas, vehicle inspection and registration are two separate processes requiring two separate stickers. Here in Puerto Rico, they are combined along with enforcement of mandatory liability auto insurance, so a bit more coordination is required. In the end, I think it’s kind of nice to only have one date to worry about.
Getting your renewal form
Around 45 days before your marbete is to expire you are supposed to receive your renewal form in the mail. If you don’t receive them, which isn’t uncommon, you can wait in line at the regional CESCO (think DMV) to obtain one OR you could register on the DTOP website and print them out at home. You can guess what approach we chose. 😉
(Update 7/10/2019) This worked great our first couple of years, but it looks like this site is gone now. Further, since we changed our address there was no longer a chance that we would receive them by mail. Last year, as the due date drew closer, I realized we had no choice but to drive to the CESCO in Aguadilla. (Holly and I made a trip of it)
A quick search online indicated that it didn’t close until 6pm so we headed out just after 4pm. Upon our arrival at around 4:45 pm, we saw that the doors were closed. I asked a couple of ladies who were standing outside what time they close the doors and she said 3:30pm! However, after I told her what we needed she told us we could just go to an inspection station and have them print out the form we needed to renew our marbete!
We went to the closest inspection station and told the attendant our situation. He assured us this was fine and he could print out the form we needed. I peered over his shoulder as he pulled up the form and committed the link to memory. After the inspection, I tried the URL when I got home and found it worked! If you need to print out the marbete renewal form at home, try the link below. One time I got it to work using my license plate number, including the dash. Another time I had to use my driver’s license number. Once logged in, select “Licencia de Vehículo” for your car to obtain the renewal form.
BTW, if the link above doesn’t work for you, there is an app in the Apple App store that’s worth trying.)
So with papers in hand we headed for the closest Centro de Inspeccion in Aguada. Unlike the inspections in Texas which are more thorough, the inspections here are extremely quick because the only thing they check are your emissions. It costs $11, and like many places here, they ONLY accept cash.
Auto Insurance (and roadside assistance)
Like in Texas, auto liability coverage is mandatory here. If you don’t have proof of insurance when you register your vehicle, they will charge you an extra $99 for compulsory minimum liability insurance which only covers up to $4,000 in damages. This is what we did last year. A few months back, some friends of ours mentioned that they purchased private insurance for a couple hundred dollars. Having the basic coverage, I didn’t give it much thought at the time. However, in researching this post, I spoke to them again to get the exact numbers and I was stunned.
The insurance they have through Universal costs about $200 a year for something like $300,000 in liability coverage! Holly and I met with Brenda, their insurance agent in Rincón who was able to get us a quote of $180 a year with Integrand. Needless to say, she is now our insurance agent too! Paying another $80 to $100 for an additional $296,000 dollars in coverage strikes me as a no-brainer. Also, since we only have one car, we decided to add roadside assistance for an additional $40 annually.
BTW, I can’t recommend Brenda enough. Unlike many service providers on the island, Brenda is extremely responsive and goes out of her way to help. Send her an email or give her a call at 787.646.3479.
After we receive our proof of auto insurance we will have everything we need. All we have to do bring our documents and pay our vehicle registration fee of $85 so we can receive our marbete for the upcoming year. Conveniently, this can be done at a number of places including Treasury Department collection centers (colecturías), the inspection centers, and most local bank branches. We are planning to go to the colecturia in Aguada next week.
Before I started working on this post I was planning to just pay the $99 dollars for minimum auto insurance and be done with this before the weekend. But after seeing the numbers, I believe it to be well worth taking another week to get the additional coverage. Hopefully, we won’t need it but if we do, $4,000 won’t go very far if someone gets hurt or an expensive car is involved.