Fred Loya Car Insurance

Fred Loya Car Insurance specializes in providing minimum levels of auto insurance to high-risk drivers — typically those with poor credit or those who are required to file an SR-22 form due to traffic violations or DUIs. The company is operated by EP Loya Group, a Texas-based auto insurance company, which also owns Loya Insurance Company and Young America Insurance — companies that may offer policies from both Fred Loya and other insurance providers. Depending on your location, Fred Loya Insurance may be marketed using one of these names. Fred Loya offers convenient office locations in grocery stores and Walmart stores.

Getting a Loya Car Insurance Policy

If you have a hard time finding coverage, Fred Loya can likely issue you a policy. You can consider the available options for high-risk drivers by choosing Fred Loya as your auto insurance provider. If you simply want to purchase a policy that meets your state’s required minimum coverage levels, there are alternative options available to you.

Why You Can Trust Loya Car Insurance

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you.

Fred Loya Car Insurance Coverage

When you’re shopping for car insurance coverage, it’s important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

In addition to these coverage types, Fred Loya also offers rental reimbursement coverage, which will pay for a rental while your car is in the shop for covered repairs.

Fred Loya car insurance policies for high-risk drivers often include those with poor or no credit. Fred Loya’s policies can be issued with or without a credit check, and SR-22 forms may be available.

Some policy coverage types and exclusions are unconventional and may not be clear, so it’s important to carefully read the fine print. For example, Fred Loya offers “complete coverage” — a combination of both comprehensive and collision coverage — but only for vehicles that are free of any damage. And once a policy is purchased, any changes, including address and phone number updates, must be made over the phone or in person.

Loya Car Insurance Discounts

You may be able to save on a Fred Loya auto insurance policy by:

• Insuring more than one vehicle
• Owning a car with airbags or automatic seat belts
• Owning a vehicle with an anti-theft device
• Completing a defensive driving or alcohol and drug awareness course
• Completing a driver’s education course if you’re under a certain age

Get a Loya car insurance quote and find out how much you could save on auto insurance.

Loya Car Insurance Quotes

Fred Loya offers online car insurance quotes, or you can call for quotes at 800-444-4040. You can also visit a Fred Loya location by using the website’s location finder. Some are in readily accessible retail spots like grocery stores and select Walmart stores.

Easily Compare Personalized Rates and Save by Switching Car Insurance

First time shopping for auto insurance? Unsure of where to start? Check out what things to consider when buying car insurance.

More about Fred Loya Car Insurance

The Fred Loya website has information on coverage options and features offered. Current customers can log in to access their policy and make payments online, while new customers can get an online quote and use the site’s location finder to look up the nearest agency.