You will only get Seguro de Ley. But you still get roadside assistance, casa de conductor, full third-party liability, etc. It runs about 6.500 pesos per year with Seguros Banreservas (2001 vehicle), I am sure Seguros Pepin is much cheaper but will they step in when needed? Even for Seguro de Ley you should have a reliable insurance company, not a concho insurance carrier.