Fred Loya Insurance
Fred Loya Insurance specializes in providing auto insurance, primarily targeting drivers who may have difficulty obtaining coverage from mainstream insurers. Here’s a brief overview of what Fred Loya Insurance offers:
1. Auto Insurance Coverage:
- Liability Insurance: Covers bodily injury and property damage to others if you are at fault in an accident.
- Collision Coverage: Pays for damages to your vehicle resulting from a collision, regardless of fault.
- Comprehensive Coverage: Covers damages to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who doesn’t have sufficient insurance.
- Medical Payments Coverage: Helps cover medical expenses for you and your passengers after an accident.
2. High-Risk Driver Focus:
- Fred Loya Insurance is known for insuring high-risk drivers, including those with poor driving records, DUIs, or lapses in insurance coverage.
3. Affordable Premiums:
- The company offers affordable rates, often appealing to budget-conscious drivers. However, premiums can vary based on factors like driving history and location.
4. Flexible Payment Options:
- Offers multiple payment options, including monthly, quarterly, or annual payments, which can be made online, by phone, or in person at one of their many locations.
5. Local Presence:
- Fred Loya operates primarily in the southwestern United States, with a strong presence in states like Texas, California, and New Mexico.
- The company has numerous storefronts, often located within shopping centers or grocery stores, making it convenient for customers to access services.
6. No Online Quotes:
- Unlike many insurers, Fred Loya typically does not offer online quotes. Customers are encouraged to visit a local office or call for a personalized quote.
7. Claims Processing:
- Fred Loya provides claims processing and assistance, though customer reviews on their claims service can vary.
Fred Loya Insurance is a regional insurer focused on providing accessible and affordable auto insurance, especially for high-risk drivers or those with unique coverage needs.