Fred Loya Car Insurance Review

Drivers who face challenges obtaining coverage due to their driving record, credit history, or prior insurance gaps may benefit from this in-depth Fred Loya Insurance review. The company offers auto insurance for high-risk drivers through three underwriting companies: Fred Loya Insurance, Loya Insurance Company, and Young America Insurance. It operates over 800 local offices across 12 states: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio, Oklahoma, and Texas.

Fred Loya provides standard auto coverage, including bodily injury liability, property damage liability, and uninsured/underinsured motorist protection. Depending on the state, medical payments or personal injury protection (PIP) may also be available. Optional coverages include comprehensive and collision insurance, along with add-ons such as roadside assistance and rental reimbursement for covered claims.

Pros and Cons of Fred Loya Auto Insurance

When comparing car insurance providers, pricing isn’t everything. A clear breakdown of benefits and drawbacks can help you decide if Fred Loya is right for you.

Where Is Fred Loya Insurance Available?

Fred Loya Insurance provides coverage in the following 12 states:

• Alabama
• Arizona
• California
• Colorado
• Georgia
• Illinois
• Indiana
• Nevada
• New Mexico
• Ohio
• Oklahoma
• Texas

Fred Loya Car Insurance Pricing

Fred Loya doesn’t provide online quotes. You’ll need to speak with a representative or visit a local office to compare Fred Loya coverage options and pricing.

Discounts Offered by Fred Loya

Available discounts may vary by state, but policyholders may be eligible for savings such as:

• Homeowner Discount: If you own your home, you might qualify.
• EFT Discount: Enroll in automatic payments to earn savings.
• New Car Discount: Receive discounts for insuring a new vehicle.
• Prior Insurance Discount: Continuous coverage for 12+ months may result in a discount.
• Family Discount: Bundle family members under one policy for added savings.

Tools and Benefits of Fred Loya Insurance

Fred Loya’s resources are limited, but they do offer state-specific coverage guides and a Direct Repair Program (DRP) that guarantees workmanship for repairs completed at partner shops. Rental car assistance is also provided if your policy includes it.

How to File a Claim with Fred Loya

If you’re ready to file a claim, gather names, driver’s licenses, photos of damages, and any police reports. Claims can be filed Monday–Friday (8 AM–7 PM MST) and Saturdays (8 AM–4 PM MST).

Customer Satisfaction and Complaints

Fred Loya was not included in the 2022 J.D. Power U.S. Auto Insurance Study. However, the NAIC complaint index for its private passenger auto insurance was 4.87 — significantly higher than the national average of 1.0. This suggests a high rate of complaints relative to its market share.

Fred Loya’s Mobile and Communication Tools

Fred Loya doesn’t offer a mobile app but does provide text alerts through its Mobile Alerts Program to help you stay on top of policy deadlines and payments.

Is Fred Loya a Good Insurance Company?

That depends on your location and coverage needs. If you have a poor driving or credit history, Fred Loya might be one of your few options. However, it’s only available in 12 states and may not suit customers seeking modern digital features or top-rated customer service. You can check availability in your state via this regional availability guide.

Alternatives to Fred Loya Insurance

If Fred Loya isn’t the right fit, here are some alternatives to consider:

Fred Loya vs. Geico

Geico offers SR-22 insurance and operates in all 50 states. It also has a highly-rated mobile app and user-friendly online tools for managing policies and filing claims.

Fred Loya vs. State Farm

State Farm’s Drive Safe & Save program offers discounts for safe driving and is ideal for drivers looking to improve their record and reduce premiums over time.

Fred Loya vs. The General

The General also specializes in high-risk auto insurance but expands into other products like life, motorcycle, pet, and health insurance — services Fred Loya does not offer.