Fred Loya Insurance

 Fred Loya Insurance specializes in providing auto insurance, primarily targeting drivers who may have difficulty obtaining coverage from mainstream insurers. Here’s a brief overview of what Fred Loya Insurance offers:

1. Auto Insurance Coverage:

• Liability Insurance: Covers bodily injury and property damage to others if you are at fault in an accident.
• Collision Coverage: Pays for damages to your vehicle resulting from a collision, regardless of fault.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Protects you if you're in an accident with a driver who doesn’t have sufficient insurance.
• Medical Payments Coverage: Helps cover medical expenses for you and your passengers after an accident.

2. High-Risk Driver Focus:

• Fred Loya Insurance is known for insuring high-risk drivers, including those with poor driving records, DUIs, or lapses in insurance coverage.

3. Affordable Premiums:

• The company offers affordable rates, often appealing to budget-conscious drivers. However, premiums can vary based on factors like driving history and location.

4. Flexible Payment Options:

• Offers multiple payment options, including monthly, quarterly, or annual payments, which can be made online, by phone, or in person at one of their many locations.

5. Local Presence:

• Fred Loya operates primarily in the southwestern United States, with a strong presence in states like Texas, California, and New Mexico.
• The company has numerous storefronts, often located within shopping centers or grocery stores, making it convenient for customers to access services.

6. No Online Quotes:

• Unlike many insurers, Fred Loya typically does not offer online quotes. Customers are encouraged to visit a local office or call for a personalized quote.

7. Claims Processing:

• Fred Loya provides claims processing and assistance, though customer reviews on their claims service can vary.

Fred Loya Insurance is a regional insurer focused on providing accessible and affordable auto insurance, especially for high-risk drivers or those with unique coverage needs.