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  Fred Loya Auto Insurance

Fred Loya Auto Insurance

in Auto Insurance from Fred Loya

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Fred Loya Auto Insurance

Unaffiliated

in Auto Insurance from Fred Loya

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Fred Loya Auto Insurance Review

Fred Loya is a car insurance carrier based in El Paso, TX. The insurance company was founded in 1974 and offers car insurance in 10 states in the USA.

If you're considering whether Fred Loyola auto insurance is a good option for you, read on.

Fred Loyola auto insurance Pros & Cons
Pros Cons
  • Locally available agents
  • No 24/7 phone availability
  • No free policy cancellation
  • Does not offer digital claims reporting
  • No accident forgiveness
  • Does not offer emergency roadside assistance
  • No rental car coverage
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Not many policy discounts available
  • Does not offer many vehicle equipment discounts
Fred Loyola auto insurance FAQ

What types of car insurance coverage options does Fred Loyola auto insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Fred Loyola auto insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Does Fred Loyola auto insurance have roadside assistance?

No, Fred Loya does not have roadside assistace.

Does Fred Loyola auto insurance offer ridesharing insurance?

No, Fred Loyola auto insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does Fred Loyola auto insurance offer?

Fred Loyola auto insurance offers the following benefits to its customers:

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
  • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

How does Fred Loya calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Fred Loya is no exception. However, you can be confident that Fred Loyola auto insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Fred Loyola auto insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Fred Loyola auto insurance insurance quote

  • Visit the Fred Loya website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Fred Loya Auto Insurance

Get Free Auto Insurance Quotes & Car Insurance Price Quotes. Loya Insurance Group provides competitive rates regardless of your past driving or credit history. Our low down payments and convenient monthly payment schedule offer you the flexibility you need.

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About Fred Loya Auto Insurance

Availability

  Available in 10 states
  • Alabama
  • Arizona
  • California
  • Colorado
  • Georgia
  • Illinois
  • Indiana
  • Nevada
  • New Mexico
  • Texas

Feature Breakdown

Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Carrier Features
  • Locally Available Agents
  • Mechanical / Auto Body Repair Network

Fred Loya Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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