Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Apr 18, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

At a Glance

  • Fred Loya Insurance began operation in 1974 in El Paso, Texas
  • The Fred Loya Insurance Group specializes in auto insurance 
  • The company offers coverage for high-risk drivers with SR-22 forms

Fred Loya Insurance got its start in the auto insurance industry in 1974 in El Paso, Texas. Today, Fred Loya Insurance spans 526 agencies across many different states. Many Fred Loya Insurance reviews from customers focus on the company’s highly competitive auto insurance rates.

In this article, we will dive deeper into what types of coverage Fred Loya offers, if coverage is available in your state, how to file a claim with Fred Loya, and more.

Fred Loya Car Insurance Coverage

Fred Loya Insurance aims to be a one-stop-shop when it comes to auto insurance products. Common car insurance coverage offered by the company includes:

  • Liability
  • Comprehensive
  • Collision

If there are excess coverages you need, representatives will discuss options with you. This includes the addition of things like GAP insurance. Fred Loya also allows you to alter your deductibles and policy limits, which is one of the ways you can lower your insurance costs.

The Fred Loya Insurance Group offers niche coverage that some others don’t always provide. For example, you may need an SR-22 certificate following a driving under the influence (DUI) conviction. Fred Loya offers cheap car insurance for high-risk drivers and can make sure your liability coverage meets state requirements so you can qualify for license reinstatement. 

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What auto insurance discounts are available?

Most insurance companies offer discounts for drivers who meet certain criteria, for example, a safe driving record or membership to a club. Common discounts available from Fred Loya Insurance include:

  • Safe driving discounts
  • New car discounts
  • Discounts for low annual mileage
  • Discounts for the use of a garage to house the vehicle
  • Good grade discounts for students

The discounts will all impact your auto insurance premium in different ways. Explore all the auto insurance discount options to see which you qualify for.

What states does Fred Loya offer insurance coverage in?

The insurance group is offered at over 500 agencies across the following states:

  • Texas
  • California
  • New Mexico
  • Colorado
  • Nevada
  • Georgia
  • Indiana
  • Alabama
  • Arizona
  • Ohio (Coming Soon)

Auto insurance rates will vary depending on the state you reside in, and require comparison by you as the shopper.

How to File a Car Insurance Claim With Fred Loya

What is the process to file a car insurance claim with the Fred Loya Insurance Group? The easiest way to file a claim is to give the claims department of Fred Loya Insurance Group a phone call. You can reach that department at (800) 880-0427. When you make the phone call, you will want to have information about the accident available.  

The claims department is available Monday through Friday from 7:00 a.m. to 8:00 p.m. (MST) and Saturday from 7:00 a.m. to 4:00 p.m. (MST). Once you submit a claim, an adjuster will get the assignment and be in contact within 24-hours of your initial report.

When you file the claim, have as much information available as possible. Some of the common information you will need includes:

  • Policy details
  • Parties involved in the accident
  • Photographs
  • Police reports
  • Information on the vehicles involved

Claims are processed more quickly if you have information at the ready.

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Does Fred Loya offer any other types of insurance?

Fred Loya Insurance specializes in auto insurance exclusively. The company employs over 200 adjusters handling over 9,000 claims per month with monthly claims payments exceeding $25 million. Fred Loya collects more than $500 million in auto insurance premiums a year.

Fred Loya Insurance: The Bottom Line

This comprehensive Fred Loya Insurance Group review has hopefully helped you understand the company and its offerings. If you are someone in need of an auto insurance policy in one of the states where it operates, it may be a good option for you. Don’t take out a policy based on one review though.

Make sure you do comparative car insurance pricing of various auto insurance companies and find the best insurance rate from the best company in your state.  

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.