Phone: (800) 554-0595

Address: 1800 Lee Trevino, Suite 201El Paso, TX 79936

Fred Loya Insurance provides is a non-standard auto insurance provider in Texas. This company was established in 1974 and currently employs 2500 people in California, Colorado, New Mexico and Texas. Fred Loya houses over one hundred offices across Texas.

About

Agents are required to settle physical damage within 24 hours. This company provides legal defense over policy limits at times. Fred Loya is there for people that need non-standard auto insurance. Non-standard includes individuals whose underwriting experience makes it challenging to obtain the standard insurance or preferred rates. This company caters to individuals who have a history of serious driving violations but are required by law to have a minimum amount of insurance. This company is perfect for high risk drivers that want to abide by the law. Drivers that have had DUI’s, have recently been involved in a serious accident, filed many claims, multiple accidents or motor vehicle violations.

Rates

This company has low down payments and offers a monthly payment schedule adjusted to your needs. They offer a variety of options for getting a quote including visiting a local office or calling the 800 number, or looking online. When requesting a quote, make sure to have your current policy information available, current vehicle and driving record information, driver’s license number for each driver and your vehicle identification number.

Claims

There are three claim branches that are available to assist with claims. This company strives for high customer service standards and they pride themselves on their efficient auto claims process. The claims office is open 7am-7pm weekdays and Saturday’s from 7am to 2pm. To report a claim, you must first dial 1-800-880-0472 and you will be matched with a representative that will help you through the rest of the process. The claims department is extremely efficient; after reporting your loss, a liability claims adjuster will be in contact with you within 24 hours of you reporting it. After the claim had been adjusted, this company reviews the insurance policy and coverages to determine the types of damages or injuries involved, contact all parties involved and obtain their statement of facts, dispatch an appraiser to view the vehicle and provide an estimate, obtain additional facts regarding the loss and then will come to a final disposition of the claim after all evidence has been considered.

Reviews

There were mixed reviews about this company and there was a high range in the reviews. They either rated as a “5 out of 5” or a “1 out of 5,” there did not appear to be much in between. People that liked the service, raved of the customer service and the price. People that did not like the service felt that they were not worth the money.

Deciding if Fred Loya is best for you

Even though this company may seem perfect for you, it is best to see what other options are available. You need to see that the insurance company you go with provides you with the best plan for your individual needs. The best choice, is to get a custom quote. The link below provides you with access to free, side by side comparison quotes that will help you determine which insurance company is best. It is the simple, easy, smart way to find your perfect match.

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