Fred Loya Insurance is an insurance company that provides minimal auto insurance to high-risk drivers. These high-risk drivers often have low credit or are forced to submit an SR-22 form due to traffic offenses or DUIs. EP Loya Group, an auto insurance provider in Texas, runs the business. EP Loya Group also owns Loya Insurance Company and Young America Insurance, two additional providers that may sell policies from Fred Loya and other insurance providers. Depending on where you live, Fred Loya Insurance may be offered to you under one of these other names.

The rules of Fred Loya might be difficult to understand, even though the company has offices in handy areas such as supermarkets and Walmarts. The firm has also been involved in many consumer complaints and has had previous run-ins with the law.

Fred Loya can provide you with insurance, even if you struggle with getting coverage. Before deciding on Fred Loya as your auto insurance provider, consider the various choices available for high-risk drivers. There are other choices accessible to you if all you want to do is buy a policy that satisfies the requirements for the bare minimum of coverage that your state mandates for its residents.

Coverage

When searching for auto insurance coverage, it is essential to clearly understand the coverage you want and the policy you are legally obligated to purchase. For instance, operating a motor vehicle in most states requires a certain level of car insurance. You may also be interested in full coverage insurance if you're looking for a different option that provides further protection. Learn the ins and outs of the most prevalent forms of car insurance coverage by reading up on the subject.

In addition to these kinds of coverage, Fred Loya also provides rental reimbursement coverage, which means the company will pay for a rental car. At the same time, your vehicle is being serviced for repairs covered by the policy.

Policies are available from Fred Loya for high-risk drivers, who often include those with weak or no credit histories. Policies from Fred Loya may be purchased with or without a credit check, and SR-22 papers could be made accessible to customers.

Because certain insurance coverage types and exclusions are not typical and may not be easily understood, it is essential to read the policy's small language. For instance, Fred Loya provides "full coverage," a mix of comprehensive and collision coverage. Still, it is only available for automobiles that are in pristine condition and have not sustained any damage. And once a policy has been acquired, any modifications, including adjustments to the customer's address and contact information, must be performed in person or over the phone.

You may get car insurance rates from Fred Loya either online or by calling his toll-free number at 800-444-4040. You may also visit a Fred Loya location using the location finder on the company website. Some of these may be found in easily accessible retail locations such as supermarkets and some Walmart locations.

Auto Insurance Discounts

You might potentially lower the cost of your Fred Loya auto insurance coverage by doing the following:

• Obtaining coverage for more than one car.
• Having a car that comes equipped with automated seat belts or airbags.
• Having a car that is equipped with anti-theft measures.
• Having completed a course on defensive driving or alcohol and drug awareness
• You must finish a driver's education course if you are under a specific age.

Complaints

According to statistics compiled over three years by the National Association of Insurance Commissioners, Fred Loya had a much higher than average number of complaints about auto insurance filed with state regulators about its size.

Website

The website for Fred Loya only provides a limited amount of information about the many coverage choices and features. New clients can receive an online quotation and use the site's location finder to seek the insurance agency closest to them, while existing customers can log in to the site to view their policies and make payments online.

Pros

• There are insurance policies available for drivers that pose a high risk.
• There are even offices set up in supermarkets and Walmarts for your convenience.

Cons

• A significant number of complaints and a history of legal problems.
• The text of the policy and the exceptions needed to be clarified.
• It does not provide claim filing around the clock.