Fred Loya Auto Insurance Review (2020)

Curious about Fred Loya auto insurance? They offer a complete line of standard and non-standard auto insurance products. Compare quotes now by entering your ZIP below.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 18, 2020

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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.

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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.

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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.

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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.

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  2. xxxx June 9, 2015
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  4. Lena rivera August 17, 2015
  5. Kristie Perkins September 21, 2015
  6. Sandy October 20, 2015
  7. jose perez December 28, 2015
  8. CMithchell January 28, 2016
  9. Cmitchell January 28, 2016
  10. Ashley February 2, 2016
  11. Tiffany Ziba May 5, 2016
  12. scott mcintyre January 3, 2017

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