Fred Loya Auto Insurance Review

Before auto insurance companies decide that an applicant is a good candidate for an auto insurance policy, they will need to read each person’s driving record. The driving record has every infraction that the applicant has received such as speeding tickets and DUIs if there are any. A driving record that has several infractions shows that these people are among the highest risks.

High risk drivers can be denied an auto insurance policy several times before they find someone who will take a chance with them. If they aren’t denied, the classification of high risk forces auto insurance companies to quote them high rates and they will not be able to find affordable car insurance.

An Auto Insurance Company for the Difficult to Insure

Fred Loya Auto Insurance is not one of the companies that takes the opportunity to charge the highest rates to people without the best driving records. They advertise themselves as a company that offers auto insurance policies even to people who have had difficulties in the past driving on the roads, and they offer these policies at reasonable prices.

Where to Find Low Rates

Drivers don’t have to have less than stellar driving records to want to find the lowest prices for their auto insurance. Fred Loya Auto Insurance also is an auto insurance company for anyone who needs to lower their auto insurance rates. They will do what they need to do to make auto insurance more affordable for people such as offering month-to-month payment plans. You can see how their quotes stack up against other auto insurance companies for FREE by entering your ZIP code.

Fast Claims Processing

Customer service and fast acceptance of claims are very important to auto insurance customers. For this reason, Fred Loya Auto Insurance has a total of three claims branches that were put into place just to handle their clients’ claims. Each branch is fully staffed with people ready to process claims immediately so that there are the fewest delays possible.

The features of filing a claim with Fred Loya Auto Insurance:

• The claims processing center is open from 7:00 in the morning to 7:00 at night, Monday through Friday
• On Saturday, customers may file claims from 7:00 a.m. until 2:00 p.m.
• During these times, clients file their claims with a toll-free telephone number
• The claims adjuster contacts the client within 24 hours of filing the claim

How to Compare Different Auto Insurance Company Quotes Effectively

Good advice that is given everyday is for auto insurance customers to shop around and compare quotes. Although this is good advice, not everyone knows the best strategy for making it work. When people receive several quotes, they can’t just expect to look at the list and purchase their insurance from the company that has the lowest prices.

People looking for auto insurance coverage may have thought the whole point of comparing quotes was to find the lowest price and the cheapest auto insurance quote. That is only part of the equation. The other part is the amount of coverage they can receive for the price they have been quoted. Finding the right amount of auto insurance for the right types of insurance is the key.

Great Coverage for Low Prices

What people shopping for auto insurance need to be looking for are the lowest prices for the full amount of coverage that they desire to buy. If they receive a low car insurance quote for a policy that requires them to pay a much higher deductible than they were paying with their old companies, they haven’t found a better deal.

The Limitations of Some Auto Insurance Companies

The company that offers a low quote may not be able to provide as much insurance coverage for the price that they are offering. For example, auto insurance customers have to purchase liability coverage according to the laws of their state, but they can also purchase more than the state’s required minimum amounts. The auto insurance company offering a low quote may not be able to accommodate this request and can only offer lower limits than they currently have.

What people are looking for when they compare quotes is a better deal; one where they will obtain as much insurance coverage as they currently have or even more for a price that is lower than the price they currently pay for their premiums.

Compare Fred Loya Auto Insurance with the Others

One example of an auto insurance company that may be able to give most people a good amount of coverage for a good price is Fred Loya Auto Insurance. Fred Loya Auto Insurance is not afraid of insuring drivers who have some points on their driving records. The company also is determined to offer low cost insurance to those who are looking for better prices than they pay at the present time.

Use our FREE car insurance comparison tool to find the cheap auto insurance by simply entering your ZIP code. To see which is the best auto insurance company for your needs head over to our other car insurance reviews.