Fred Loya Car Insurance Review

Our Fred Loya car insurance review highlights top benefits, such as affordable rates for high-risk drivers and a 15% safe driver discount.

However, while Fred Loya Insurance offers essential coverages like liability and collision, it lacks gap insurance and new car replacement.

Fred Loya Car Insurance Rating

Rating Criteria
Overall Score	2.6
Business Reviews	2.0
Claim Processing	2.0
Company Reputation	2.0
Coverage Availability	2.1
Coverage Value	2.5
Customer Satisfaction	3.4
Digital Experience	2.0
Discounts Available	2.3
Insurance Cost	3.4
Plan Personalization	2.0
Policy Options	2.5
Savings Potential	3.0

Fred Loya’s customer satisfaction ratings are also below average, with numerous complaints about poor service and claims handling, so it is not one of the best car insurance companies for customer service.

While drivers with a history of accidents or DUIs may benefit from Fred Loya’s pricing, it’s essential to compare multiple quotes for the best deal.

Fred Loya Car Insurance Prices

When you get a Fred Loya car insurance quote, your rates will depend on several factors. To give you an idea of what Fred Loya charges for different types of drivers, we’ve put together average Fred Loya rates by gender, age, and more.

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

Minimum coverage will be the cheaper option at Fred Loya, but it will leave you vulnerable to financial issues if you cause an accident.

Another important factor affecting your Fred Loya rates is your driving record. Do all car insurance companies check your driving records? Many do, and Fred Loya is one of them. However, it caters its rates to high-risk drivers.

DUIs are the worst offense you can have on your driving record, as a DUI will raise rates to an average of $105/mo for just minimum coverage.

Fred Loya Car Insurance Rates vs. the Competition

Let’s dive deeper into Fred Loya Insurance rates by seeing how they compare to other companies on the market. If you are looking for the most affordable auto insurance company on the market, Fred Loya won’t be the top choice.

Fred Loya Car Insurance Monthly Rates by Provider, Age, & Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 60 Female	Age: 60 Male
	$420	$460	$240	$260	$200	$210	$190	$200
	$395	$445	$225	$245	$185	$195	$175	$185
	$400	$450	$230	$250	$190	$200	$180	$190
	$390	$440	$220	$240	$180	$190	$170	$180
	$430	$470	$250	$270	$210	$220	$200	$210
	$400	$445	$225	$245	$185	$195	$175	$185
	$405	$450	$230	$250	$190	$200	$180	$190
	$410	$455	$235	$255	$195	$205	$185	$195
	$415	$460	$240	$260	$200	$210	$190	$200
	$380	$430	$215	$235	$175	$185	$165	$175

While it is not the most expensive, other companies like USAA, Geico, and Nationwide offer cheaper rates based on age and gender.

However, look at Fred Loya if you need cheap car insurance after a DUI. It’s also one of the cheapest on the market for drivers with at-fault accidents, as you can see in the table below.

Fred Loya Car Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$130	$150	$190	$240
	$120	$140	$180	$230
	$115	$135	$170	$220
	$110	$125	$160	$210
	$140	$165	$200	$260
	$125	$145	$185	$235
	$120	$140	$180	$230
	$115	$135	$175	$225
	$120	$145	$185	$240
	$100	$120	$150	$200

While Fred Loya is not the best for drivers with clean records, it’s cheaper for higher-risk drivers. Fred Loya insurance rates are just one part of the picture; read on to learn about Loya’s car insurance options, discounts, and ratings.

Car Insurance Options at Fred Loya

Now that you know how much Fred Loya charges compared to the competition, we want to look at what car insurance coverages Fred Loya sells.

Fred Loya Car Insurance Coverage Options

Fred Loya sells all the basic car insurance coverages that customers need for a Fred Loya Insurance full coverage policy, such as liability, collision, and comprehensive coverage.

It also has a few add-ons like roadside assistance available to purchase. However, Fred Loya doesn’t sell gap insurance, modified car insurance, or new car replacement coverage. If you want to add any of these to your policy, you will have to choose a different auto insurance company.

Learn More: Compare Full Coverage vs. Liability Car Insurance

Fred Loya Car Insurance Discounts

Fred Loya auto insurance discounts vary from multi-policy discounts to loyalty discounts. The largest discount Fred Loya Insurance offers is a safe driver discount of 15%.

Fred Loya Car Insurance Discounts and Savings

You can also save 10% by bundling policies, insuring multiple vehicles, or being a good student. To qualify for some of the discounts, like a good student discount, you will have to provide proof that you’re eligible.

Read More: Best Car Insurance Discounts

Customer Reviews of Fred Loya

Fred Loya Google reviews and Reddit reviews aren’t always positive, with customers citing issues with claims and customer service. See the Reddit review below for an idea of what customers think of Fred Loya.

Fred Loya insurance reviews on Yelp, Reddit, and other popular sites can provide some insight into customer issues with the company

Learn More: How do cus.tomer satisfaction ratings affect car insurance companies?

Business Ratings of Fred Loya

Fred Loya insurance reviews from BBB, A.M. Best, and other major rating sites will also offer insight into Fred Loya as a company, from financial strength to complaints.

Fred Loya Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 780 / 1,000 Below Satisfaction
	Score: B- Fair Business Practices
	Score: 74/100 Low Customer Feedback
	Score: 4.50 Higher Complaints Than Avg.
	Score: C Poor Financial Strength

To start, Fred Loya Insurance has a below-average rating from J.D. Power for customer satisfaction, as well as poor Fred Loya insurance reviews on Consumer Reports. It also has a dismal score for financial management from A.M. Best and a high number of Fred Loya insurance complaints recorded by NAIC.

These poor ratings are a red flag and suggest that the Fred Loya Insurance Agency could be one of the car insurance companies with the worst customer satisfaction.

Fred Loya Car Insurance Pros and Cons

As a recap, let’s go over the pros and cons of Loya Insurance Group. Some of the benefits customers can take advantage of when buying Fred Loya Insurance include:

• Roadside Assistance: Add this extra coverage from Fred Loya for help with lockouts, dead batteries, tows, and more.
• Safe Driver Discount: Fred Loya offers 15% off an auto insurance policy to safe drivers.
• Same-Day Coverage: Get car insurance fast with Fred Loya’s same-day coverage.

While these are some good pros, there are also significant cons that may make you think twice about buying Fred Loya Insurance.

• Business Ratings: Fred Loya Insurance has poor ratings for claim satisfaction, financial strength, complaints, and more.
• Customer Satisfaction: Fred Loya has a number of negative reviews on rating sites like Reddit.

These cons could outweigh the pros if you value customer service, which is an important aspect of a car insurance company.

Deciding if Fred Loya Insurance is the Best Choice for You

Our Fred Loya car insurance review found that a pro is its low rates for high-risk drivers, particularly those with DUIs, while a key con is the company’s poor customer satisfaction ratings.

You want to avoid the worst car insurance companies in America, so it’s important to remember that Fred Loya’s customer service issues may affect your overall experience, as it has very poor ratings from the NAIC and other rating sites.

To ensure you get the best deal, be sure to compare quotes from multiple insurance companies online. This will help you find the policy that best suits your needs and budget.