Fred Loya Insurance Quote

In today’s day and age, auto insurance is not just a necessity because both state and federal laws say it is. It has become an indispensable tool for drivers in protecting themselves and their loved ones on America’s roads and highways. Due to multiple factors, including the increasing number of distracted drivers on the roads in the United States, the U.S. Department of Transportation (DOT) has approximated that nearly 27, 875 people died in traffic fatalities across the country last year. Moreover, those numbers were based on just the first nine months of 2016! The operation of motor vehicles has become an almost secondary task, as more driver attention is often given to texting, eating, adjusting a radio, or scolding ill-behaved children in the back seat.

With so many insurance companies in the market, deciding on what kind of insurance you need, and who to buy it from, can be a significant challenge. It used to be that if a person needed auto insurance, they could just flip through the yellow pages and pick a company with a trustworthy sounding name. That is no longer the case, however, and a simple internet search can yield more than five million results, which often overwhelm the person submitting the inquiry.

Depending on which state a person resides in, minimum insurance coverage requirements could be either relatively small, resulting in lower costs, or fall to the other end of the spectrum and be prohibitively expensive. Many people seeking coverage are naïve to what their state requires, so they fall prey to predatory insurance agencies who upsell their coverage. By using ethical approaches to issuing affordable insurance coverage, customers can rest assured in knowing that a Fred Loya Insurance quote is both straightforward and honest.

Before shopping around for quotes, the first action potential Insures must take, is consulting their state DOT’s website to determine the minimum amount of coverage directed by state law. After establishing a coverage baseline, shoppers can then begin the quote inquiry process. Although many people may be drawn to the large national companies, they see advertised on television; those are not necessarily the best providers of comprehensive protection and affordable rates.

Loya car insurance rates are both reputable and competitive, which makes finding a plan to fit your budget and lifestyle easy. We have worked hard to take the guesswork out of the process for our customers and have been rewarded for our efforts with repeat policy renewals and positive customer feedback.

Insurance rates are determined by several factors which include, but are not limited to the following:

• the state coverage will be issued in
• the age and gender of the driver(s) to be insured
• how many years the driver(s) has/have been operating motor vehicles
• the year, make, and model of vehicle being insured
• type and number of anti-theft or safety devices installed
• the primary use of the vehicle (daily commute vs. business use)
• how many miles the vehicle will be driven daily
• where the car will be parked

Each of those variables has an impact on the overall cost of coverage, and during the process of generating your Fred Loya Insurance quote, we will explore every opportunity to provide discounts where possible – helping to lower your monthly costs. We understand that in today’s economy every penny saved is essential to the future of the people we provide our services to.


Most of the large-scale, national insurance companies advertised on television are too big to offer a personalized customer service experience, viewing those they insure as nothing more than a policy number. That is not how we do things here at the Loya Insurance Group. We do our best to get to know our customers and their needs so that we can find the best ways to keep them protected.

It is important to us to make sure car insurance shoppers to know that Loya car insurance is recognized nationally as an industry leader for both excellent customer service and timeliness in claims processing. Life happens, and we get that. We know that when our clients file a claim, it is often during a crisis or their greatest time of need. Our coverage provides peace of mind when it matters most. That is why we have put considerable effort into simplifying our insurance acquisition and claims processes.

Unlike with other insurance vendors, getting a Fred Loya Insurance quote is not a complicated

In fact, we have gone out of our way to make our quote process as streamlined and intuitive as possible by offering multiple venues for shoppers to request a quote. Potential customers can request a quote online at our website, call our telephone service center, or walk into one of our more than 300 office locations across the country.

All our insurance specialists and agents are highly trained and qualified to provide you with the most accurate quote possible. Whether you are in the market for a single driver liability policy, or you need a comprehensive collision coverage plan, we have got you covered (pun intended). Your insurance quote will be tailored to meet your needs, without breaking your bank.

We offer a broad spectrum of coverage plans, allowing you to choose the best deductible and total amount of coverage for your budget. We are intimately familiar with the mandatory minimum coverage requirements for each state we provide coverage in, and we can assure you our advice will be sound. We want you to feel secure and confident when you commit to your policy purchase, so, we will answer each of your questions in detail.

The Loya Insurance Group wants you to know that buying auto insurance does not have to be a tedious process. You have come to the right place if you are in the market for outstanding service and coverage at a fair price. We look forward to your insurance quote request!