Fred Loya Insurance is a provider specializing in affordable car insurance. Many customers describe having a love-hate relationship with the company, noting its prices are cheap and beat any competitor far and away, which is sometimes the most important thing. The process to get a policy started is described as super easy, with some agents noted as helpful, knowledgeable, professional, friendly, and very efficient. However, significant criticisms are common. Customers report that quoted prices over the phone can differ from the price given in the office. The company is frequently called ridiculous and is compared to the prepaid phone service of the insurance industry due to very strict payment policies. Payments are taken days before a customer's pay date, and there are excessive reminder calls near the payment date. If a payment is late by even a moment, the policy is canceled and cannot be reinstated over the phone, requiring a vehicle inspection. Adding a new vehicle or managing policies over the phone is also reported as not possible, and a $50 cancellation fee may be charged even for required policy changes. The bottom line from reviewers is that if you can afford insurance anywhere else, you should. Experiences with accident claims are not widely reported.
Lili was awesome. She got me the best rate that even the other guys couldn't, by as much $50-$100. It was quick and painless. Thank you Fred Loya!
December 2025
I hardly ever leave reviews but this time I am beyond happy with the service I received today. Very nice, explained how everything works. More than anything I’m really happy with the service. I believe my representatives name was Liliana. Very kind , I will be treansfering all my vehicles to Fred Loya. Gave me a great... read full comment
April 2025
I don’t have a problem with the services or the people. I do have a problem with the website. It is a disaster and not very easy to navigate. Definitely would like to see that fixed.
