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Friday, December 1, 2023

Fred Loya Car Insurance Quote

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Fred Loya car Insurance is providing cheap car insurance to people who have trouble getting it elsewhere because they have bad credit history or have some kind of trouble with traffic laws. They can provide SR-22 Form, drivers who need to fill this form to getting traffic violations or DUIs.

Fred Loya Car Insurance Quotes offers some special things like coverage for rental cars. They have offices in places like grocery stores and Walmart, so if you’re having a hard time finding car insurance, they can probably assist you.

Fred Loya Car Insurance is available in the following states:

New Mexico

Contact Details

Type of ContactContact
Home Office5004 Columbia Avenue Suite 102 Dallas, TX 75214 United States
New Claims1-800-880-0472
Office Number1-469-904-7260

Getting Fred Loya Car Insurance Quotes

To getting a car insurance quote from Fred Loya Insurance is a easy process. You can follow below the process to get a quote at your home. Here’s how you can get a quote:

  1. Online Quote: Visit the official Fred Loya Insurance website – www.fredloya.com. Then click on Get an Online Quote and provide some basic information about yourself and your vehicle. This may include details such as your name, address, vehicle make and model, and your driving history.
  2. Phone Quote: If you prefer to speak with a representative directly, you can call Fred Loya Insurance’s customer service hotline (1-800-444-4040) for quote. The agent will guide you through the process of obtaining a quote over the phone. Be prepared to provide the same information as you would online.
  3. In-Person Quote: If you prefer a face-to-face interaction then you can visit local Fred Loya Insurance offices near your area. A local agent will assist you in person and provide you with a personalized quote based on your specific needs.

Factors That Affect Your Fred Loya Car Insurance Quote

Several factors are affect your car insurance premium cost with Fred Loya Insurance. It’s essential you can understand these factors as they can help you make informed decisions about your coverage:

  1. Driving History: Your driving record plays a significant role in determining your insurance premium. A clean driving history with no accidents or traffic violations typically results in lower rates.
  2. Vehicle Type: The make and model of your vehicle can impact your insurance rates. High-performance or luxury vehicles may cost more to insure due to their higher repair costs.
  3. Coverage Level: The type coverage which you choose will directly affect your premium. More extensive coverage, such as comprehensive and collision, will result in higher premiums compared to basic liability coverage.
  4. Deductible: The deductible is the amount you’re responsible for paying before your insurance coverage kicks in. Choosing a higher deductible can lower your premium but means you’ll pay more out of pocket in the event of a claim.
  5. Location: Your location can also influence your insurance rates. If you live in an area with high crime rates or a high incidence of accidents, your premiums may be higher.
  6. Age and Gender: Younger, less experienced drivers, and males typically pay higher premiums than older, more experienced drivers and females.

Fred Loya Car Insurance Coverage

Fred Loya car insurance doesn’t offer a wide variety of coverage. But, if you have a Fred Loya policy which includes minimum liability insurance, you can also choose to add these extra coverage:

Collision CoverageCovers damage to your vehicle as a consequence of a collision.
Comprehensive CoverageDamage caused by something other than an accident, such as animal or weather damage, theft, or vandalism, is covered.
Personal Injury Protection (PIP)After an accident, this insurance covers your injuries, lost pay, and caring or funeral expenditures.
Medical Payments (MedPay)It covers your injuries, regardless of who is to blame.

Additionally, Fred Loya Car Insurance includes coverage for rental cars. You can opt to include rental reimbursement coverage in your policy. This means that your liability coverage will apply to a rental car if your own car needs repairs. Loya car insurance also promises that any auto repairs done at certain repair shops are guaranteed for as long as you own or lease your car.

Fred Loya Car Insurance Rates

Our research, The drivers who have Fred Loya car insurance pay around $2,901 per year for full coverage and $459 per year for basic coverage. While Fred Loya average rates for minimum coverage are lower than the national average of $565 per year, their average rates for full coverage are higher, coming in at $1,674 per year.

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Type of RecordFred Loya Average PremiumNational Average Premium
Clean driving history$2901$1689
Speeding ticket$2871$2079
Adding a teen driver$7755$2547
At-fault accident$3441$2322

Fred Loya car insurance is well-known for its affordable insurance prices. If you have a clean driving record, their full coverage car insurance costs 56% less than the national average. Even if you’ve had one accident, Fred Loya full coverage cost is 63% cheaper than the average.

Another good thing about Fred Loya car insurance quote is that they don’t drastically increase your rates after an accident. Our research shows that they only raise premiums by 24%, which is much lower than the 58% increase by Allstate.

Before you contact Fred Loya car insurance quote, it’s a good idea to compare quotes from different insurance companies if you can.

Fred Loya Car Insurance Discounts

  • Multi-car policy discount
  • Discounts for having safety devices such as airbags and seatbelts
  • Discounts for installing anti-theft devices.
  • Discounts for completing a defensive driving course.
  • Discounts for completing alcohol and drug awareness courses.

Fred Loya Insurance car insurance Pros and cons


  1. Fred Loya Car Insurance provide coverage options for drivers who might not qualify for insurance with other companies.
  2. They offer SR-22 insurance, which is necessary for drivers with certain violations.
  3. You can easily buy their insurance from convenient locations like grocery store chains and shopping centers.


  • Cannot file a claim 24/7
  • Very limited digital tools
  • High rate of NAIC complaints


What types of car insurance does Fred Loya Insurance offer?

Fred Loya Insurance offers for car insurance coverage options, including liability insurance, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and more.

What information do I need to provide to get a car insurance quote?

To get an accurate Fred Loya car insurance quote, you will need to provide information such as your name, address, vehicle make and model, driving history (including any accidents or violations), desired coverage level, and deductible preference.

How can I lower my car insurance premiums with Fred Loya Insurance?

You can lower your car insurance premiums with Fred Loya Insurance by maintaining a clean driving record, choosing a higher deductible, and considering discounts such as multi-policy or safe driver discounts.

Is Fred Loya Insurance available in my state?

Fred Loya Insurance primarily serves customers in specific states, so it’s essential to check if they offer coverage in your state by visiting their website or contacting their customer service.

Are there any discounts available for Fred Loya car insurance policies?

Fred Loya Car Insurance provide discounts for various factors, such as bundling multiple insurance policies, having a clean driving record, and completing defensive driving courses.

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