Fred Loya Car Insurance Review & Ratings (2025)
Uncover the truth about Fred Loya Car Insurance: Real user ratings, pricing, claims process, and more. Discover if Fred Loya is the right insurance company for your needs. Compare quotes from top insurers to find the best coverage at affordable rates. Don't settle for less, make an informed decision.
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Table of Contents
Table of Contents
Professor of Nutrition & Kinesiology
Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthl...
Melissa Morris
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated August 2025
Customers looking to buy Fred Loya car insurance will find that rates are lower than many competitors, but the company has a high number of complaints. Also, the company doesn’t provide quotes or allow customers to file claims online.
Understanding more about Fred Loya car insurance will help you determine if it’s the right fit for you.
Now that you know about Fred Loya car insurance, enter your ZIP code to get free auto insurance rates in your area.
What You Should Know About Fred Loya Insurance
Year Founded: 1975
Welcome to our comprehensive guide on Fred Loya Car Insurance. In this article, we delve into the key aspects of Fred Loya’s auto insurance coverage, including pricing, claims process, customer reviews, and available discounts. We provide valuable insights to help you make an informed decision when choosing an insurance provider.
Don’t miss out on finding the best rates and coverage options tailored to your needs. Enter your ZIP code now to compare quotes from top insurance providers and secure the best deal for your car insurance.
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Fred Loya Insurance Coverage Options
Since companies price coverages individually, your chosen types of insurance will impact your policy rates. For this reason, it’s essential to know what each coverage entails to determine if it’s necessary.
Fred Loya provides the most popular types of auto insurance coverage. The following table shows the car insurance coverages offered by Fred Loya.
Fred Loya Car Insurance Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver will little or no car insurance. |
| Medical payments | Covers medical costs caused by an accident regardless of who is at fault. |
In addition to these coverages, Fred Loya provides coverage for rental cars. Customers can purchase rental reimbursement coverage as an add-on, which carries your liability coverage to a rental car while your vehicle is in the shop.
However, Fred Loya doesn’t offer roadside assistance. The lack of this option requires customers to find another way to receive support if they suffer car trouble while traveling. Many of the other top car insurance companies offer this to policyholders.
Fred Loya also provides coverage for high-risk drivers, including people with poor and no credit. A person needing an SR-22 form to reinstate their license can also get the necessary coverage from the company.
Fred Loya Insurance Rates Breakdown
According to the Insurance Information Institute, several factors determine auto insurance rates. Insurance companies price coverages individually, so your rates will depend on your policy. Liability coverages are the least expensive, and full coverage policies are the most costly.
Comparing affordable Fred Loya car insurance rates with other companies will help you find the cheapest option. The following chart shows the average annual full coverage rates from Fred Loya and some of the best insurance companies by driving record.
| Company | Average Annual Rates with a Clean Record | Average Annual Rates with One Accident | Average Annual Increase After an Accident |
|---|---|---|---|
| Fred Loya | $979 | $1,215 | 24% |
| State Farm | $1,313 | $1,532 | 17% |
| Geico | $2,140 | $3,312 | 55% |
| Allstate | $4,496 | $7,110 | 58% |
As you can see, the average Fred Loya car insurance quotes are cheaper than State Farm, Geico, and Allstate for drivers with a clean record and with one accident. However, State Farm rates increase less than Fred Loya after drivers get into their first accident.
Fred Loya Insurance Discounts Available
While Fred Loya offers low rates, customers can lower their costs further by combining various discounts. These deals are dependent on your vehicle, schooling, driving record, and lifestyle.
While Fred Loya states that it offers discounts on its website, specific deals are not listed. However, the following chart shows some of the standard car insurance discounts and the eligibility requirements for drivers.
Fred Loya Car Insurance Discounts
| Car Insurance Discount | Discount Eligibility |
|---|---|
| Accident-free | Drivers with no accidents in the past three to five years. |
| Anti-lock brakes | Cars with factory-installed anti-lock brakes. |
| Anti-theft | Cars include anti-theft devices, like alarms, tracking systems, and kill switches. |
| Defensive driving | Completed approved defensive driving course. |
| Good student | High school or college students with at least a 3.0 grade point average. |
| Homeowner | Insured owns a single-family home. |
| Low mileage | Driving 5,000 to 15,000 miles per year. |
| Multi-car policy | Insure more than one car on a single auto insurance policy. |
| Multi-policy | Bundling different types of insurance. |
| Paid in full | Policy is paid in one payment. |
| Safe driver | Display safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving. |
| Student away at school | College-aged children that attend college over 100 miles away and leave their car at home. |
Since Fred Loya doesn’t state which discounts are available or their eligibility, you’ll need to ask about possible discounts when inquiring about Fred Loya car insurance quotes.
Read More: Loya Car Insurance Discounts
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Fred Loya Car Insurance Claims Process: Simplified Filing and Swift Resolutions
Ease of Filing a Claim
Fred Loya offers limited options for filing a claim. Customers can either file a claim by visiting a company branch in person or by calling the claims office at 800-880-0472. Unfortunately, online claims filing is not available, which may inconvenience customers looking for a digital claims submission process.
Average Claim Processing Time
Specific information about the average claim processing time at Fred Loya is not provided in the available content. This information is crucial for policyholders to understand how efficiently their claims are handled and resolved.
Customer Feedback on Claim Resolutions and Payouts
The available content does not provide insights into customer feedback regarding claim resolutions and payouts by Fred Loya. Understanding customer experiences with claim resolutions is important for potential policyholders in assessing the reliability and effectiveness of the company’s claims process.
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Fred Loya Car Insurance Digital and Technological Features: Enhancing Insurance Experience
Mobile App Features and Functionality
The content does not elaborate on the features and functionality of Fred Loya’s mobile app. Mobile apps are increasingly essential in the insurance industry, offering convenient access to policy information, claims tracking, and other essential services. Understanding the capabilities of Fred Loya’s mobile app is important for customers who prefer managing their insurance needs through digital platforms.
Online Account Management Capabilities
Unfortunately, the available content does not provide details on the online account management capabilities offered by Fred Loya. A robust online account management system is crucial for policyholders to efficiently manage their policies, view documents, pay premiums, and make necessary changes to their coverage.
Digital Tools and Resources
Specific digital tools and resources provided by Fred Loya are not discussed in the available content. Modern insurance companies often offer various digital tools and resources to educate policyholders, provide helpful information, and enhance the overall insurance experience. Understanding the digital tools available is essential for customers seeking a seamless and technology-driven insurance provider.
How Fred Loya Insurance Ranks Among Providers
Navigating the complex landscape of auto insurance requires a careful consideration of various providers. Fred Loya Car Insurance, while offering competitive rates, faces robust competition from well-established players in the industry. Here are some key competitors and understand why they pose a challenge.
- State Farm: State Farm is one of the largest and most well-known insurance providers in the United States. They offer a wide range of insurance products, including auto insurance. State Farm’s extensive network and reputation make them a formidable competitor.
- Geico: Geico, known for its humorous advertising and competitive rates, is a major player in the auto insurance industry. With a strong online presence and a focus on technological advancements, Geico poses a challenge to Fred Loya, especially in attracting tech-savvy customers.
- Allstate: Allstate is another prominent insurance company with a comprehensive range of coverage options. Their emphasis on customer service and various discount programs makes them a strong contender against Fred Loya.
- Progressive: Progressive is known for its innovative approach, including usage-based insurance and a user-friendly online platform. Their aggressive marketing and focus on appealing to a wide range of drivers make them a direct competitor.
- Farmers Insurance: Farmers Insurance is a well-established insurance provider offering various coverage options. Their emphasis on personalized service and local agents could be a competitive advantage in regions where Fred Loya operates.
In a highly competitive insurance market, Fred Loya faces significant competition from industry giants like State Farm, Geico, Allstate, Progressive, and Farmers Insurance. Each competitor brings its own strengths, whether it’s a vast network, innovative technology, or personalized service.
Fred Loya’s ability to differentiate itself in terms of pricing, customer service, and coverage options will play a crucial role in its success amidst these formidable competitors. Customers are encouraged to thoroughly compare quotes and consider the specific offerings of each company to make an informed decision.
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How are the Fred Loya car insurance reviews?
Credit rating agencies regularly review and rate auto insurance companies, helping customers determine how likely they are to provide a payout. However, these agencies have not completed Fred Loya insurance reviews.
Additionally, Fred Loya is not accredited by the Better Business Bureau (BBB). However, the BBB has given the company a C rating. Fred Loya has received 41 reviews on the BBB website and has an average rating of one out of five stars from customers.
At the time of this review, the BBB has received 109 complaints about the company over the past three years. The top three complaints about Fred Loya include:
- Unsatisfactory settlements and offers
- Delays in handling claims
- Denial of claims
Given the lack of Fred Loya car insurance company ratings, it’s difficult to determine its quality of service. However, reading through the complaints will help you decide if they should be a concern.
Frequently Asked Questions
What is Fred Loya Car Insurance?
Fred Loya Car Insurance is an auto insurance company that provides insurance coverage for cars, motorcycles, and recreational vehicles.
How long has Fred Loya Car Insurance been in business?
Fred Loya Car Insurance was founded in 1974, which means it has been in business for almost 50 years.
What types of insurance products does Fred Loya Car Insurance offer?
Fred Loya Car Insurance offers a variety of auto insurance products, including liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist insurance.
Is Fred Loya Car Insurance a reputable insurance company?
Fred Loya Car Insurance has received mixed reviews for their customer service and claims process. They have a financial strength rating of C+ (Marginal) from A.M. Best, which indicates that they may have some financial instability.
How can I obtain a quote from Fred Loya Car Insurance?
To obtain a quote from Fred Loya Car Insurance, you can visit their website, call their toll-free number, or visit a local branch.
Does Fred Loya Car Insurance offer discounts on their insurance products?
Yes, Fred Loya Car Insurance offers discounts on their auto insurance products, such as multi-car discounts, safe driver discounts, and discounts for certain safety features in your car.
How can I file a claim with Fred Loya Car Insurance?
To file a claim with Fred Loya Car Insurance, you can call their claims department, visit their website, or contact your local branch.
Does Fred Loya Car Insurance have good customer service?
Fred Loya Car Insurance has received mixed reviews for their customer service. Some customers have reported positive experiences, while others have reported difficulties with their claims process and interactions with customer service representatives.
What is the coverage area for Fred Loya Car Insurance?
Fred Loya Car Insurance is licensed to provide insurance coverage in several states, including Texas, California, Arizona, Colorado, Georgia, Illinois, Missouri, New Mexico, and Nevada.
Does Fred Loya Car Insurance offer 24/7 customer service?
Yes, Fred Loya Car Insurance offers 24/7 customer service for claims and roadside assistance.
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