Your Guide to Fred Loya Full Coverage Car Insurance

A Fred Loya full coverage policy contains liability insurance and collision and comprehensive coverage. High-risk drivers experience lower rates with Fred Loya.
Written by Kianna Walpole
Edited by Jessica Barrett
Reviewed by Brice Regling
A full coverage
car insurance
policy with Fred Loya typically includes liability coverage, collision protection, and comprehensive insurance. While the company offers full coverage options at a competitive price, Fred Loya is only available in select states.

Here’s what a full coverage policy with Fred Loya includes

A full-coverage auto insurance policy from Fred Loya Insurance Group will typically include the following:
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Legally required in most states, this type of insurance will include
bodily injury liability coverage
property damage liability coverage
to pay for any medical expenses or vehicle damage for other drivers.
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Pays for your vehicle repair or replacement costs that aren’t the result of a collision, such as vandalism, theft, or natural disaster.
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Assists with reimbursing you for your vehicle repair or replacement costs if you hit another vehicle or a stationary object, even if the crash was your fault.
But you won’t be able to select “full coverage” when you’re ready to purchase a policy. This is because full coverage can include many different combinations of non-mandatory coverage. The most popular is, of course, state minimum + comprehensive + collision. 
When you choose these options, you’ll receive the protection that “full coverage” generally offers.
Currently, Fred Loya only operates in 12 states: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio, Oklahoma, and Texas. To find a location in your area, check out their
online interactive map

Add-ons for a full coverage Fred Loya insurance policy

Full coverage is often used as an umbrella term, referring to the triad of liability, collision, and comprehensive insurance—but it won’t cover everything. When purchasing a full coverage plan, you can opt out of comprehensive or collision coverage entirely in favor of other coverages, or round out your policy with add-on insurance options.
Here are a few of Fred Loya’s top optional policies that you can add to provide you with further protection in a variety of situations:
  • Uninsured/underinsured motorist
    coverage: Reimburses you for medical bills, lost wages, and property damage if you’re in an accident caused by a driver who has insufficient car insurance or no car insurance at all.
  • Personal injury protection (PIP)
    : Pays for medical bills if you sustain injuries after a crash. PIP coverage is required by law in
    no-fault states
  • Medical payments coverage
    : Also known as MedPay, this pays for medical bills if you or your passengers are injured in a collision, regardless of fault. It’s only offered in states that don’t legally require PIP.
  • Roadside assistance
    : Covers the cost of towing, flat tire repair, and fuel delivery. May also include battery jumpstarts and lockout service.
  • Rental reimbursement
    : Reimburses you for rental car costs if your vehicle is undrivable for more than 24 hours after a covered accident.

What isn’t covered by a Fred Loya full coverage policy?

Fred Loya offers policyholders standard liability-only and full coverage options—and while they do supply add-on insurance policies and insurance discounts, there are a few things that a Fred Loya policy won’t cover. 
  • Stolen items: Any stolen items from your vehicle are not covered under Fred Loya policies—but some homeowner’s policies do cover this. Contact your insurance agent for further information.
  • Gap coverage
    : Fred Loya doesn’t offer gap insurance, which is an important add-on if you’re leasing or financing a vehicle. Gap coverage pays the difference between your car’s actual cash value and the amount you’re left owing on your loan if your vehicle is totaled. 

Fred Loya full coverage policies cost around $2,256 per year

Fred Loya typically offers reasonable rates for full coverage policies, with an annual average of around $2,256. This puts them only slightly over the national average of $2,264 per year for a full coverage option. 
While motorists with
clean driving records
and good credit scores often see some of the lowest rates,
high-risk drivers
can also find cheaper premiums with Fred Loya. But it’s important to remember that rates are not fixed and the amount you end up paying for full coverage will be based on your driver profile and driving history, vehicle, deductible selections, and more. 
selecting your collision and comprehensive deductibles
, make sure you choose an amount that you can afford in the event of a claim. The most common deductibles are $500 and $1,000, but the higher the limit, the less you pay on monthly premiums.

Does Fred Loya offer the best full coverage insurance?

If you have a serious moving violation (like a DUI) or one or two at-fault accidents on your driving record, getting full coverage from Fred Loya could be your best bet financially—but if you’re worried about customer service, you might want to choose a different provider. 
Fred Loya typically offers good prices on full coverage policies but has about 400% more customer complaints than its competitors.
To help determine if Fred Loya is right for you, get a quote from the company. Then use the
app to
compare car insurance quotes
and customer reviews from other car insurance companies in your area. 
app screenshot
When creating your driver profile, enable full coverage and set your policy limits. You can also select any discounts or add-on options you want to include.
Jerry will compare car insurance coverage from 55+ different auto insurance companies and curate the best options for you. If you find a great rate, you can set up your policy the same day or schedule its start date up to 28 days in advance.
If customer service is a top priority and your driving record has a few blemishes, consider checking out full coverage car insurance rates from State Farm, GEICO, Nationwide, and Erie Insurance—most of which also manage high-risk drivers.

Is a Fred Loya full-coverage car insurance policy worth it?

If you live in one of the states where Fred Loya car insurance is an option, you may want to look into how much full coverage costs—because the low price might be exactly what you’re after.
To complement their competitive rates, Fred Loya doesn’t require a credit check to buy full coverage car insurance or any other policy. They’re also known for having flexible payment options, which can be a big benefit for drivers on a budget.
With that said, if you prefer more widespread service and transparent customer service, a Fred Loya auto insurance policy might not be the ideal option. Getting a quote from a Fred Loya representative and comparing prices with other insurance providers is the best way to ensure you find the best car insurance coverage for your needs. 


Does Fred Loya have comprehensive coverage?

Fred Loya offers comprehensive and collision coverage. Drivers can pair them together to make a full coverage policy or opt for one or the other. 

What does full coverage usually cover?

A full coverage policy often includes state minimum insurance plus comprehensive coverage and collision coverage. Add-on options can be used to round out your policy and provide you with more protection in different scenarios.

What is the cost of full coverage?

The average cost of a full coverage policy in the US is around $2,264 per year.

What insurance is not full coverage?

A minimum coverage policy is not considered full coverage as it only includes liability protection. 

How can I contact Fred Loya for a full coverage car insurance quote?

If you’d like to get a quote from Fred Loya, you can contact them at 1 (800) 444-4040 and speak to a representative.

How can I file a full coverage claim with Fred Loya?

You can file a claim with Fred Loya by calling 1 (800) 880-0472. Keep in mind that this line is only open weekdays from 8:00am to 7:00pm MST and Saturdays from 8:00am to 4:00pm MST.

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