Fred Loya Car Insurance Review for 2025 [Find Savings Here]

This Fred Loya car insurance review explores the company’s distinctive flexible payment choices. These options are made to suit drivers with different financial requirements.

Fred Loya Insurance is famous because it’s easy to access. It provides special plans for drivers who are considered high-risk, making sure these people can still get coverage.

Drivers can easily adjust their policies, and the company provides support in many different areas through its large network of offices. Fred Loya’s main focus is on being dependable and convenient for customers.

Fred Loya Car Insurance Rating

Keep reading to compare Fred Loya Insurance services for a useful option, especially for drivers looking for reliable but affordable car insurance solutions. Find expert advice on buying car insurance and saving money.

Discover cheap car insurance quotes by entering your ZIP code here.

Exploring Fred Loya Car Insurance Rates

This table shows the car insurance rates of Fred Loya based on age, gender, and coverage levels. Those who are younger, specifically boys, have to pay more due to their heightened risk factors. For instance, a 16-year-old boy might end up paying as much as $385/month for comprehensive coverage.

Fred Loya Car Insurance Monthly Rates by Age, Gender, & Coverage Level

When people get older, Fred Loya car insurance prices drop significantly. The starting cost can be as low as $41 monthly for minimum coverage. Discover if carrying minimum coverage car insurance is a smart choice.

Also interesting is that the male-female insurance rate difference becomes smaller as drivers gain experience, which shows fair pricing.

This table shows how driving histories can affect Fred Loya car insurance quotes, for both minimum and full coverage. This reflects Fred Loya’s strategy of setting prices according to risk evaluation in different population groups.

Like most companies, Fred Loya favors good driving records. Its prices can go up from $120 for a clean driving record to $210 if you have a DUI. However, it is cheaper than many other companies for high-risk drivers.

Comparing Fred Loya Car Insurance Rates to Top Competitors

Compare Fred Loya car insurance monthly rates with its competitors for both minimal and complete coverage. Fred Loya has lower prices than other companies, making it an economical option for a lot of drivers.

Fred Loya Car Insurance Monthly Rates vs. Top Competitors by Coverage Level

Fred Loya is at the forefront with the lowest monthly prices: $65 for minimum coverage and $150 for full coverage. Rivals such as Geico and Progressive, some of the cheapest car insurance companies, are not far behind.

Fred Loya auto insurance is also competitively priced for high-risk drivers, compared to what Allstate and Liberty Mutual charge, with their DUI rates going up to $270 and $313 per month, respectively.

Fred Loya Car Insurance Monthly Rates by Provider & Driving Record

Geico has the cheapest rate at first, with just $80 for a clean record, but after getting a DUI, Fred Loya is the cheaper provider at $210/month. Only State Farm and Progressive are cheaper than Fred Loya after an accident or DUI.

Fred Loya Car Insurance Discounts Overview

This table points out the various discounts offered by Fred Loya, demonstrating how drivers can reduce their insurance payments if they meet certain conditions. Explore expert tips on how to lower your car insurance cost quickly.

Fred Loya Car Insurance Discounts by Savings Potential

The discount for safe driving provides the biggest potential to save, offering 20%. It is beneficial for those drivers who have had a spotless record for more than three years. Other discounts, such as a multi-vehicle discount (15%) or a good student discount (10%), are attractive to families with young drivers.

Discounts that are smaller, like the homeowner (5%) and pay-in-full(5%), aren’t as competitive as some other companies.

Fred Loya Car Insurance: Ratings and Consumer Insights

Fred Loya gets a score of 780 out of 1,000 from J.D. Power, showing customer satisfaction that is less than average. Consumer Reports gives it a ranking of 74 out of 100 which shows low customer reactions and complaints higher than the usual amount.

Fred Loya Car Insurance Business Ratings & Consumer Reviews

Worries about financial stability and claims processing exist, as shown by an A.M. Best rating of C, which indicates weak financial strength.

Still, Fred Loya continues to be a wallet-friendly choice for drivers who value affordability more than top-notch service. The main attraction of this company is its cost-effectiveness.

Learn more by checking out our guide: Why do you need car insurance?

Evaluating Fred Loya Car Insurance Pros and Cons

Fred Loya Insurance Company offers many advantages for drivers who want to save money on car insurance with simple, accessible policy coverage.

• Affordable Coverage Options: Provides cost-effective policies tailored for drivers seeking budget-friendly insurance.
• Flexible Payment Plans: This allows changing payment conditions for various financial situations, so it becomes simpler for more people to take advantage.
• Local Office Network: Offers extensive in-person support through its many conveniently located offices.

These benefits make Fred Loya a good option for people who want affordable and custom insurance plans. However, Fred Loya faces challenges that may impact its appeal to drivers who want a more reliable provider.

Although it is very good with cheap prices, there are certain drawbacks that can discourage drivers who need more extensive coverage or expect a steady quality of service.

• Limited Availability: Coverage is not offered nationwide. Fred Loya is only available in Texas, Ohio, California, New Mexico, Colorado, Georgia, Nevada, Illinois, Arizona, Indiana, and Alabama.
• Low Insurance Ratings: Fred Loya customer service and financial ratings are lower than average, which could impact your experience if you ever need to file a claim.

For drivers looking for strong insurance choices that are reliable in all areas, Fred Loya might not be the right option. Find out where cheap full coverage car insurance is available near you.

Evaluating Fred Loya Car Insurance

Our Fred Loya car insurance review finds that the main good things are low cost and accessible coverage, but drivers might not be happy if they expect very high-quality customer service or many extra features in the policy.

Fred Loya is known as a cheap option for drivers who want not expensive and flexible insurance choices. Drivers who are high-risk and those looking for affordable options will like Fred Loya’s flexible payment plans and special discounts.

Making customers happier and getting better financial strength could make it even more valuable. Dive into the details of how car insurance works to save money.

It is important to compare prices from different companies and look at what coverage you need to see if Fred Loya fits your insurance needs well. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.