The Ultimate Fred Loya Review 2019

Introduction to Ultimate Fred Loya

Fred Loya is a car insurance company that is based in Texas. The company was founded back in 1975, but in the years since it has grown significantly and it now have over 700 offices throughout a range of states including Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, New Mexico, Nevada, Ohio and Texas.

The company has enjoyed a lot of success, and it is now the 18th largest Latino-owned company in the United States. This is sure to delight Fred Loya, the Latin American businessman who worked as a cattle rancher before establishing the business.

The company has its happy customers and its disappointed customers, but this is to be expected given that the company is so huge. It currently employs over 5,200 employees and its agencies are found in areas including Wal-Mart Supercenters, Fiesta Marts, Big 8 Food Source stores, Liborio Supermarkets, Fiesta Whole Food, Superior, and Cardenas.

But is this the right policy provider for your auto insurance needs? This review will take a look at what Fred Loya offers and what you can expect to receive. But first, we’re going to take a look at the key offerings from this provider of auto insurance.

The Fred Loya Review: Service and Features

The company bases its offering around three core pillars: it explains that its offering is affordable, local, and quality.

In terms of affordability, the company purports that it is dedicated to providing the lowest insurance rates possible to those who need them. There are a range of policies available, ranging all the way from full coverage to general liability.

In terms of its local approach, the company is quick to underscore the convenience that is offered by its 526 physical locations and the friendliness of the staff inside them.

In terms of quality, the company says that its professionals can be trusted and work around the clock to answer any questions that its customers might have. It describes its company as a family and explains that it thrives to offer assistance.

Customer Support

In terms of its customer support offering, the company explains that its agents are on standby to receive any and all queries. This stands for existing and prospective customers alike: new customers can quickly get a quote either by using the online tool, a contact form, or calling using the telephone.

In terms of the quality of its customer support, there are a range of perspectives but we will get to those soon.

Single and Multi-Family Driving Plans

The company explains that it offers “competitive rates” on a range of insurance plans including single and multi-driving ones. These are also provided regardless of the past driving or credit history of the customers.

The quotes for these plans are quick to receive and easy to secure using a variety of methods.

Reporting a Claim

The company has three claim branches which make it easy for customers to make a claim while being serviced by trained professionals. It is possible to make a claim over the telephone during office hours from Monday-Saturday.

After having made the initial claim, a loss report is assigned to a liability claims adjuster and they contact the claimant within 24 hours.

The exact process followed throughout the claims process can be found on the website of Fred Loya and gives an accurate picture into just how things work. There are five key steps in the process and on the surface at least, the procedure seems straight forward.

Managing the Policy

When it comes to managing the policy, customers have the option to login via the website and also make payments that way. This makes it simple to make changes and if the customers prefers, they are able to do all of this via telephone.

Information by State

Of course, the insurance needs will vary from one state to the next. In order to help customers make the most of their service and find out about the rules in their state, Fred Loya provides a comprehensive overview of the rules in each state on its website. This is a nice touch and helps customers to feel empowered.

The Fred Loya Review: Customer Perspectives

Now that we have a better understanding about the company and its offering, let’s take a look at what that looks like in reality.

Over the years Fred Loya has worked with thousands of clients and many of them have shared their opinions on the level of service that they received. Of course, it is important to remember that online reviews are skewed in that it is primarily those customers who have a bad experience who will be inclined to leave a review.

This is what it is important to take everything you see online with a pinch of salt, collect as many sources as possible, and remain critical of what you read.

Mixed Reviews

A quick look into the reviews online will reveal a truly mixed series of reviews. Some range from positive – praising the full-service offering and claims program of the company – while others will complain about poor customer service and strange payment structures. Also, some customers have complained about unknown adjustments to their policy which are done without their permission.

Of course, it is important to get a range of perspectives to get a truly broad view into things.

Price Increases

Many reviews online complain about unknown adjustments that were made to their account without their knowledge. This is a recurring theme throughout the reviews, and indeed some customers have explained that this is the case in a range of interviews.

Customers need to be able to rely upon their insurance provider to protect them with reliable and predictable service that helps them to drive and control their vehicle with confidence. This is particularly worrying if a person decides to pursue a larger policy that covers multiple vehicles.

Communication Speed

Some customers have complained that the company takes a long time to get back to queries or emails, and that when they do the results are not accurate or pertinent to the initial question.

This is counterbalanced by a range of other reviews, however, which praise the speed and responsiveness of customer service representatives. If you are considering working with Fred Loya, it’s a good idea to request a quote so that you can get a firsthand indication as to the quality of the customer service that you can expect to receive should you work with them.

This is a good techniques that you could employ whenever you’re considering working with an unknown company that you have no experience with.

Customer Service Concerns

In addition to concerns about the speed of the responses, some customers complain that the level of service was not very high. This includes inaccurate or even rude service in some instances. However, with such a wide range of employees and agencies in a huge variety of locations, it is unfortunately normal that this will happen in isolated instances.

Many other clients of the company are happy to praise the customer service that is offered by Fred Loya, going so far as to praise particular people and representatives who helped in particular ways.

The hispanic roots of the company cannot be understated either, and Spanish-speaking customers will be well-served by the company. There is a high level of service for those customers.


In terms of the prices that are on offer, these will of course vary according to a range of factors. The age, location and insurance history of the clients will play a big role, so one person’s quote will differ from another’s. This is why it’s so important to receive a particular personalized quote before making a decision.

The quote process is very simple to navigate, which is why it is recommend that customers request one to compare it easily to a range of other providers.

The Verdict

Fred Loya has a huge reach, and this is one of the most impressive parts of its offering. Clients can rest assured that they will receive personalized service without ever being far from one of the physical locations of the provider.

In terms of the level of service that is on offer, there are mixed reviews and a range of experiences. This is to be expected, however, given the size and scale of the company. In order to get a good idea of the level of service you can expect when working with the company, you should consider making direct contact yourself and making a judgement based on that experience.

Searching for Alternatives

If you are not entirely convinced yet that Fred Loya is the provider for you, you should absolutely continue searching. There are lots of potential providers out there, and they will be vying for your business. You should be sure to look into the quote system that they offer and use this to your advantage.

We wish you all the best with your search and hope that you find a provider who suits your specific needs.

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