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Fred Loya Car Insurance Review

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Introduction

Fred Loya Insurance specializes in providing low-cost car insurance to high-risk drivers. Hence, it is a great option for those with bad credit. Even drivers who are obliged to file an SR-22 form due to traffic offenses or DUIs can benefit from Fred Loya's car insurance options.

Fred Loya offers unique options such as rental car coverage. It even has office locations in grocery shops and Walmart stores. So if you're having trouble finding coverage, Fred Loya will most likely be able to help.

Pros & Cons

Pros Cons
Offers policies for high-risk drivers. Does not offer quotes online
Offers complimentary rental cars when your car is undergoing repairs. Cannot file a claim online

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Fred Loya Car Insurance Coverages

The number of coverages offered by Fred Loya is relatively limited. Policyholders can add the following coverages to their Fred Loya policy in addition to the mandatory liability insurance:

Coverage Type What it Covers
Collision Coverage Covers damage to your vehicle as a consequence of a collision.
Comprehensive Coverage Damage caused by something other than an accident, such as animal or weather damage, theft, or vandalism, is covered.
Personal Injury Protection (PIP) After an accident, this insurance covers your injuries, lost pay, and caring or funeral expenditures.
Medical Payments (MedPay) It covers your injuries, regardless of who is to blame.

Furthermore, Fred Loya covers rental cars. You can add rental reimbursement coverage to your policy, and your liability coverage will extend to a rental car while your car is being repaired. According to Fred Loya, auto repairs conducted at these shops are guaranteed as long as you own or lease the car.

Fred Loya Car Insurance Rates

According to our research, drivers with Fred Loya auto insurance pay an average of $2901 per year for full coverage and $459 per year for basic coverage. Although Fred Loya's average minimum coverage costs are lower than the national average of $565 per year, its average full coverage rates are higher at $1674 per year.

We discovered that most of Fred Loya's full coverage rates for several auto insurance scenarios are higher than the national average rates.

Type of Record Fred Loya Average Premium National Average Premium
Clean driving history $2901 $1689
Speeding ticket $2871 $2079
Adding a teen driver $7755 $2547
At-fault accident $3441 $2322

If there's one thingFred Loya is knownfor, it'sthe low insurance prices. For individuals with aclean driving record, full coverage car insurance from Fred Loya costs 56% less than the national average. In addition, for complete coverage fromFred Loya, drivers with one accident pay 63%less than the norm.

Another advantage of Fred Loya is that insurance rates do not skyrocket following an accident. According to our research, Loya only raises premiums by 24%, which is significantly less than Allstate's 58% increase.

Before you call Fred Loya for a free car insurance quote, we recommend checking auto insurance quotes from different firms if at all possible.

Fred Loya Car Insurance Discounts

Like the best car insurance companies, Fred Loya offers discounts for:

  • Multi-car policy discount
  • Discounts for having safety devices such as airbags and seatbelts
  • Discounts for installing anti-theft devices.
  • Discounts for completing a defensive driving course.
  • Discounts for completing alcohol and drug awareness courses.

Customer Feedback

Customers are drawn to Fred Loya because of his low prices, which are often less than half of what competitors charge. Fred Loya provides some of the most affordable rates, but those low prices won't make up for a below-average experience.

There is no mobile app for Fred Loya, and the company's website is outdated and difficult to access. You can pay your car insurance bill and access your Fred Loya policy information online, but you can't receive a quotation or register a claim; instead, call the claims department or customer care number.

Way.com Summary

Fred Loya car insurance has a significant client baseFred Loya's website offers limited information about the coverage options it offers. That said, the coverage option are pretty straight-forward and Fred Loya's car insurance agents are always there to help. Fred Loya car insurance offers text alerts about your policy and even lets you know when it's time for your next payment. All claims must be filed over the phone, and you can only do this during working hours.

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About Fred Loya

Fred Loya Car Insurance is owned by EP Loya Group, a Texas-based car insurance corporation. This corporation also owns Young America Insurance, Rodney D. Young Insurance, and National Insurance. The company offers insurance policies from both Fred Loya and other insurance providers. Therefore, depending on where you live, Fred Loya Insurance may be offered under one of these names.

Most of Fred Loya's 726 insurance office sites are concentrated in large cities around the states where the company operates, such as Los Angeles, Las Vegas, and San Antonio. Visit your local Fred Loya Insurance location or call the customer care line to obtain a quotation.

Fred Loya Insurance is available in the following states:

Contact Details

Type of Contact Contact
Home Office 5004 Columbia Avenue Suite 102 Dallas, TX 75214 United States
New Claims 1-800-880-0472
Office Number 1-469-904-7260

A Brief History of Fred Loya

Fred Loya founded Loya Insurance Group in 1974. It started as a single storefront office and has grown to over 361 locations in six states: California, Colorado, Illinois, New Mexico, Nevada, and Texas.

The Loya Insurance Group has offices in various places, including shopping malls, grocery stores, street corners, and office buildings. The agencies are located in small and big towns and cities, concentrating on being in areas that low-income individuals frequent.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

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