Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 18, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • Fred Loya Auto Insurance is a Hispanic-owned and operated company that provides non-standard coverage
  • Fred Loya has several different office branches in Texas, California, Colorado, and others
  • Fred Loya does not have a rating from AM Best, so their financial strength and outlook is difficult to assess

Fred Loya Auto Insurance has been chosen for this auto insurance review due to its family-based, privately owned roots, and types of insurance products offered.

Fred Loya Insurance Agency Inc. concentrates primarily on auto insurance products, and they are a full-service provider of non-standard auto insurance coverage.

It started out as a small family-owned business founded by Fred Loya Sr. and is now the 18th largest company in the U.S. that is owned by Hispanics.

Their primary focus is to provide fast quotes and competitive policies to prospective insurance policyholders.

Enter your ZIP code here for online auto insurance quotes in your area!

Fred Loya Auto Insurance Locations

Fred Loya Auto Insurance is currently based out of the El Paso branch in Texas.

The best way to find the location of their other branches is to use the locator tool that is placed on their website.

You will find many of their offices located in or near popular destinations like:

  • strip malls
  • Wal-Marts
  • Fiesta Marts

The company takes pride in being involved with the communities that their offices are located in.

They understand the importance of first-hand information and sell their products only in places where they can get a physical address.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How can I get a quote from Fred Loya auto insurance?

You can get quotes from Fred Loya Auto Insurance with the quote tool on their website.

The tool works like most auto insurance quoting devices by asking basic car and driver history questions and then conducting a simple risk assessment.

The electronic form is fairly simple and the whole process is quick and almost effortless.

There are other ways of getting a quote from them. You can choose to visit the nearest office so that you speak face to face with their professionals and find the best-suited choice for your needs.

Another option is to call them on the numbers provided. The insurance agents you speak to will need some information from you, after which they will help you with an instant phone quote to cover your insurance needs.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Fred Loya Auto Insurance Claims

Their claims process is fairly simple too. Fred Loya Auto Insurance has three claim branches that are equipped with claims professionals to help you with quick and efficient service.

You can either walk into any one of these branches or call them on their claims specific number mentioned above.

Their claims offices are open from seven am to seven pm from Monday to Friday and on Saturday from seven am to two pm.

After providing them with immediate information regarding the report of an auto insurance claim, your loss report will be directed to a liability claims adjuster.

The adjuster will review the case in question and call you back 24 hours. Once this is done an appraiser will be sent to check out the vehicle and speak with the police if the need arises.

The whole process of the claims is said to take place within a span of three days.

Fred Loya Auto Insurance Reviews

Fred Loya Auto Insurance has not asked for an AM Best rating. This means their financial strength and capabilities are a little difficult to distinguish.

However, this does not mean that there is anything negative about the company, though.

There are positive as well as negative reviews for the company online. Some customers have faced some duress in terms of leaked personal information and slow claims process.

Yet others state that their run with Fred Loya Auto Insurance has been stress-free and satisfactory.

Get free auto insurance rates from many companies by entering your ZIP code here now!

References:

  1. https://www.fredloya.com/
  2. https://www.fredloya.com/location/finder
  3. https://www.fredloya.com/claims
  4. http://www.nolo.com/legal-encyclopedia/insurance-adjusters-who-they-are-how-they-handle-injury-claim.html
  5. http://ambest.com/