Fred Loya Auto Insurance: Everything You Need to Know

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Are you in the market for car insurance? If you’re in Texas, New Mexico, Colorado, or Arizona, you’ve probably heard of Fred Loya auto insurance. But what is it, and is it right for you? Here’s everything you need to know about Fred Loya auto insurance.

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What is Fred Loya auto insurance?

Fred Loya Insurance is a Texas-based insurance company that offers auto insurance policies to drivers in Texas, New Mexico, Colorado, and Arizona. The company was founded in 1974 and has since grown to become one of the largest Hispanic-owned insurance companies in the United States.

One of the unique aspects of Fred Loya auto insurance is that the company operates its own claims department, which means you’ll deal directly with a Fred Loya representative if you ever need to file a claim.

What types of coverage does Fred Loya offer?

Fred Loya offers a variety of auto insurance coverage options, including:

Coverage Type
Description
Bodily Injury Liability
Covers injuries you cause to someone else in an accident
Property Damage Liability
Covers damage you cause to someone else’s property in an accident
Collision Coverage
Covers damage to your own vehicle in an accident
Comprehensive Coverage
Covers non-collision related damage to your vehicle, such as theft or weather damage
Uninsured/Underinsured Motorist Coverage
Covers you if you’re in an accident with an uninsured or underinsured driver

Fred Loya also offers optional add-ons like roadside assistance and rental car reimbursement.

How do Fred Loya’s rates compare to other insurers?

Fred Loya’s rates are generally on the lower end compared to other auto insurers. However, it’s important to note that insurance rates can vary greatly depending on several factors, including your age, driving record, location, and the type of car you drive. It’s always a good idea to get quotes from multiple insurers to ensure you’re getting the best rate.

What are some customer reviews of Fred Loya auto insurance?

As with any insurance company, there are mixed customer reviews of Fred Loya auto insurance. Some customers praise the company’s affordable rates and friendly customer service, while others complain about long wait times and difficulty when filing claims.

It’s important to keep in mind that customer experiences can vary greatly and that one person’s experience may not be representative of the company as a whole.

Frequently Asked Questions

How do I file a claim with Fred Loya auto insurance?

To file a claim with Fred Loya auto insurance, you can call the company’s claims department at 1-800-554-0595 or file a claim online through the company’s website.

How can I get a quote from Fred Loya?

You can get a quote from Fred Loya by visiting the company’s website and providing some basic information about yourself and your vehicle. You can also call the company’s customer service department at 1-800-554-0595 to speak with a representative and get a quote over the phone.

Does Fred Loya offer any discounts?

Yes, Fred Loya offers several discounts to help you save on your auto insurance policy. These include discounts for safe driving, multiple cars, and multiple policies, as well as a good student discount for drivers under 25 who maintain a B average or higher.

What if I need to make changes to my Fred Loya policy?

If you need to make changes to your Fred Loya policy, you can do so online through the company’s website or by calling the customer service department at 1-800-554-0595.

Is Fred Loya auto insurance available in my state?

Fred Loya auto insurance is currently only available in Texas, New Mexico, Colorado, and Arizona.

Final Thoughts

Fred Loya auto insurance can be a good option for drivers in Texas, New Mexico, Colorado, and Arizona who are looking for affordable coverage. With a variety of coverage options and optional add-ons, Fred Loya can help you create a policy that meets your specific needs. However, as with any insurance company, it’s important to do your research and compare quotes from multiple insurers to ensure you’re getting the best rate.

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