Fred Loya Insurance

Pros: They are professional, friendly, and less expensive than others.
Cons: When you file a claim their process is insulting. They want you to take your car (if driveable) to one of their locations so they can take pictures and an estimate… Then within a few hours you get an estimate even people in China who work for a few cents a day would consider an insult. The estimate is done by pictures and by nontrainied individuals which I find obsurd. Keep in mind I was hit from behind and nothing major. The estimate I was given was for $ 476 under my deductible cost… The adjuster said I could take care of it and my insurance would reimburse me AFTER they get the money from the guys insurance and I had to pay the $ 500 deductible before they did anything… Long story short I had to deal directly through the guy who hit me insurance. Luckily the guy had Mercury they were on top of everything paid for all the cost, even the rental while the car was getting fixed at the shop of my choosing.
I’ve had Fred Loya for years but the fact they always try to find loop holes not to pay or deal with things is concerning. When people call their insurance they expect concern, and good communication to return to some normalcy after an accident.
Hope this helps someone, happy insurance hunting!

If I could give these guys 0 stars I would. Both our cars got totalled in front of our house. The girl who hit our cars was a POS chola who was «running from someone and feared for her life». Somehow by shitty luck we got caught between and she totalled our cars. This shitty ass insurance company was less than helpful and didn’t pay for any of the damages. Unless they found the person who was chasing her?! Really? They found a «loop hole» so they wouldn’t have to pay. We have insurance and we were covered. Avoid this scam of an insurance company.

Employees are very professional and the more family members you have in your policy the better. Make sure they read to you all the benefits you have and eliminate the ones you don’t need or feel that you don’t need. My boyfriend’s family has had this insurance for years and have never made a single complaint about it. When I had full coverage on my car I didn’t really use it except when I went to Mexico.