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Insurance for the Baja race?

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Those of you who make visits to Baja a routine, which company do you use for your coverage?  Why?  Does that work for a limited time, or do you have to pay for extended periods?  Can it be set up ahead of time?  Progressive has told me they cover next to nothing once I head south of the border, so I'm thinking ahead.  

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I used to use Bajabound but for whatever reason, policies got REALLY expensive and I shopped around this last time and ended up with Lewis and Lewis.  I used to pay around $30 for a trip of a week or less but now it's like $60 or more.  The Mexican govt upped the liability from around $50k to $350k and that has something to do with it but the same was in effect on my last Baja trip and it wasn't as much.

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