Getting a real liability policy with higher levels of coverage is the best way to go.  In my case, my car in PR is not worth much, so I only bought liability coverage and road service. Â
The basic coverage that is mandated when getting the marbet is only 4k coverage for damages, and it costs about a $100.  That's not sufficient if you are involved in an accident. I think I paid about $250 for 100/300k coverage.