Fred Loya Insurance

I used Fred Loya for 3 years to cover 3 of my vehicles and I never had a problem. The only complaint that I have is they limit your coverage limits. They wouldn’t write a policy with 100,000−300,000 BI limits which my lease required.
Other than that you can get fairly cheap insurance. I had 2 claims and they paid both no hassles. From what all I have heard that is great for me.
I also heard of some sort of 50.00 cancellation fee they charge if you cancel mid policy, they didn’t charge me this because of there inability to meet my new requirements.
ALSO, i had changed cards mid way through my policy so they could never hit my card for unauthorized charges. I would have to call in every month to make a payment. This way if they could not store my card on file. I think this was the BEST THING YOU CAN DO.

Nope! DON’T…I repeat, DO NOT purchase Fred Loya for your car insurance. This company is sneaky, shady, sheisty, low-​down, conniving, uncaring, indifferent and predatory! They provided me a 6-​month policy for $ 260 down, and $ 210 per month (plus $ 12 electronic deduction from checking account) = $ 222/​mo. for 6 months. Well, I shopped around and found a policy with another company for $ 120/​mo. (a $ 100 savings). So, I decided to finish out my 6-​months with Fred Loya (since they charge a $ 50 policy cancellation fee), then switch at the end of 6 months. After the 6^th deduction from my bank account, I promptly received a «Renewal Declaration» in the mail, thanking me for choosing to renew my policy for another six months. WHAT??? I didn’t choose to renew! Yep… you guessed it… they AUTOMATICALLY renew you! I called to advise I no longer wanted to continue with them, and they said… too bad, so sad! That 6^th payment wasn’t part of the original 6-​month policy. No… it was the 1^st payment for the next 6-​months. But I explained that the payment breakdown on the original paperwork said that the 6 monthly payments were required for the ORIGINAL six-​month policy. They snickered and said…“Sorry, we can see how that would be confusing, but even though it says it is the 6^th and final payment for the ORIGINAL policy, it is really the FIRST payment for the renewed policy.
WOW! OK… since you admit that it is misleading, cancel my renewal and refund my money!
«Sorry, we have earned that money. If you cancel now, we will only refund a portion. The $ 50 cancellation fee will be deducted, and we will mail you a refund check in about 2 weeks»
Ridiculous! I saw a sign on their office wall that says if you are not satisfied for any reason, to call the Corporate Number. So I did. Got the same answer.
Basically, that is their scheme. Tell you you have to pay 6 payments for a 6-​month policy, when in actuality the down payment is the 1^st payment (not the first monthly payment). And you only owe 5 (FIVE) monthly payments. But they tell you you owe 6 (SIX). BAIT AND SWITCH. DO NOT TRUST THESE LEECHES!!! Run! Run anywhere but here!
And, since their Customer Service is soooo poor, my only recourse is to tell ALL my family and friends, co-​workers, neighbors, acquaintances, business associates, and ANY and EVERY stranger on the street I see that will listen about the questionable «EXTRA» charge that they will saddle you with. SPREAD THE WORD!