The way to get Loya car insurance

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In an ideal world of auto insurance, policyholders deserve the kind of customer service they need and proper claim procedures they want. Not every company can provide the same level of service, and it can be difficult for potential customers to choose the right company without the right guidance. All companies seem to offer more or less the same type of coverage with some discounts and payment options, but they are different in terms of customer service.

When people buy Loya car insurance, they all expect best-in-class services to protect their financial assets. Auto insurance is a contract; it does not give anything in return for buyers except their trust and protection from possible financial burdens after an accident. Here is a step-by-step guide on how to purchase the right insurance from the right company.

  1. Determine the amount of coverage necessary

The first thing to do is to consult local DMV to see the state’s minimum coverage requirements. Every state has different coverage requirement and limits. Every policyholder must purchase at least the amount that the state suggests. Most states require Bodily Injury Liability and Property Damage Liability; some states even regard the Personal Injury Protection coverage as mandatory. Regardless of buyers’ circumstances, all auto insurance policies must include at least minimum coverage with

Regardless of buyers’ circumstances, all auto insurance policies must include at least minimum coverage with minimum limit. A general recommendation is to set a limit of $50,000 for Bodily Injury per person, $100,000 for Bodily Injury per accident, and $25,000 for Property Damage. It is possible to go less than that, as long as the amount still complies with state’s regulation.

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  1. Review the current policy

For first-time buyers, it is not necessary to review previous policy. For drivers who want to renew their policies or switch insurance companies, the current policy can be the points of reference to help decide what to get in the new one. In case the previous insurance is a little bit inadequate, add more coverage as necessary. On the other hand, they can also reduce or remove the less useful coverage to get more complete protection.

The premium rate for the same car should be more or less the same as well unless there are some changes such as aftermarket modifications. Some changes for examples additional safety features and anti-theft system can reduce the premium, while installation of a more powerful engine can increase it instead. In any case, use the current/previous policy to get an idea of how much to spend.

  1. Check the DMV record

Department of Motor Vehicles (DMV) keeps all records of traffic tickets from minor violation to felonies. Some tickets stay in the records for a while, but they disappear over time if drivers show significant improvement in safety awareness. Drivers with excellent DMV records tend to pay less expensive premiums. Insurance companies appreciate cautious drivers in the form of more affordable premium. Sometimes companies even offer discounts for drivers who enroll in Defensive Driver Course.

  1. Prepare the necessary data

Auto insurance application form requires many data from the typical ones such as name, address, age, and professions, to details like the previous policy, car models, and annual mileage. Prepare all the necessary information beforehand to make the application process quicker. It makes no sense to shop around for insurance and then back down just because the applicant forgets about those details. While the information may not seem significant to applicants, insurers use all the data to determine premium and recommend the best coverage.

  1. Shop around

First thing first, please visit the official website of the state’s department of insurance to see the list of insurance companies available. Just because some companies exist in the local area, it does not always mean that they have the license to sell and underwrite policies in the state. If possible, narrow down the search only to companies with local agencies. If branch offices are in easy-to-reach location, communication with the company or agent becomes easier, too.

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For example, Loya Car Insurance has more than 700 branch offices across Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, New Mexico, Nevada, Ohio, and Texas (as of 2016). All branch offices are in public locations such as commercial office buildings, shopping centers, grocery stores, and street corners.

  1. Check for company information and track record

Visit local branch offices, call companies’ representatives, and check their official websites to read about the available coverage, discounts and eligibility requirements, application processes, claim procedures and payment options. Make sure they have the necessary coverage.

The easiest way to do this is to talk with insurance agents in direct conversation rather than on the phone. To know more about the track record of Loya Insurance, just go to one of its branch offices and consult the agents. Throw as many questions as possible and get comprehensive answers for each.

  1. Local is preferable

Not every local company is preferred than an insurer from out of town indeed, but there is a good chance that a local company understands better about local perils. The most important thing with any insurance company is effective communication and how fast the insurer responds to customers’ inquiries. In these two factors, local insurance is often more capable.

Fred Loya Insurance has been in the business since 1974, and it specializes in high-risk drivers’ policies. The application process is easy regardless of past accidents and credit score. It also gives all the advantage of local access for all its loyal insurance customers. Everyone can find and visit any branch office to consult with agents, apply for insurance, make payments, file claims, or renew the policy.