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  Fred Loya Auto Insurance

Fred Loya Auto Insurance

in Auto Insurance from Fred Loya

Unaffiliated

Fred Loya Auto Insurance

Unaffiliated

in Auto Insurance from Fred Loya

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Community Rating Strongly not recommended
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Fred Loya Auto Insurance Review

Where does Fred Loya Auto Insurance do business?

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

If you're considering whether Fred Loya Auto Insurance is a good option for you, read on.

How does Fred Loya Auto Insurance compare to other auto insurance companies?

Pros & Cons of Fred Loya Auto Insurance
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
  • What types of auto insurance coverage does Fred Loya Auto Insurance offer?

    Although we often talk about auto insurance in the singular, it really includes several types of coverage. Fred Loya Auto Insurance offers the following types of auto insurance coverage:

    • 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 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 Loya Auto Insurance have roadside assistance?

    No, Fred Loya does not have roadside assistace.

    Does Fred Loya Auto Insurance offer ridesharing insurance?

    No, Fred Loya Auto Insurance does not offer ridesharing coverage as a rider or endorsement.

    What benefits does Fred Loya Auto Insurance offer?

    Fred Loya 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 rates?

    Auto insurance companies guard their risk-assessment algorithms as a trade secret, and Fred Loya is no exception. However, you can be confident that Fred Loya 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 Loya Auto Insurance use your credit score?

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

    1. If you live in California, Hawaii, or Massachusetts, auto insurance companies are not allowed to use your credit report as a rating factor.
    2. There are also a handful of auto insurance companies that base their 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 Loya Auto Insurance quote

    • Visit the Fred Loya website.
    • Fill in the insurance 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.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   1800 Lee Trevino
      El Paso, TX 79936
    •   Visit Site

    About Fred Loya Auto Insurance

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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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