Fred Loya Insurance — Auto Insurance in Merced, CA | Car

📍 About Us

Fred Loya Insurance is a long-standing auto insurance agency located in Merced, CA, operating under the legal name Fred Loya Insurance, LP. Founded locally on December 17, 1974, the agency has over 50 years of experience serving communities across California. As a captive agent, Fred Loya Insurance specializes in offering personalized, budget-friendly policies — particularly for high-risk and lower-income drivers, including a significant portion of the Hispanic/Latino population.

The agency is owned by Fred Loya and remains committed to providing accessible insurance solutions, including same-day coverage without a credit check. While the company has faced regulatory challenges — including a $300,000 fine in Texas for false advertising and a class-action lawsuit in California over wage violations — it continues to operate with a focus on affordability and immediate service. The agency is licensed in California and is not BBB accredited, currently holding an F rating due to 381 complaints and 18 unresolved issues.

📋 Insurance Services Offered

Fred Loya Insurance offers a wide range of insurance products tailored to meet diverse needs, including:

• Auto Insurance: Personal auto policies with liability, medical, comprehensive, and uninsured motorist coverage
• Immediate Coverage: Same-day policies available without a credit check
• Homeowners Insurance: Protection for homes and personal property
• Life Insurance: Financial security for families and dependents
• Business Insurance: Coverage for small and mid-sized enterprises
• Condo Insurance: Tailored protection for condominium owners

All policies are designed to offer flexibility and affordability, especially for drivers with less-than-perfect records. The agency emphasizes quick service and easy access to coverage, making it a go-to for those needing immediate protection.

💡 Why Choose Us

Fred Loya Insurance stands out for its ability to provide immediate coverage and support for high-risk drivers who may struggle to find affordable options elsewhere. As one of the 18th largest Latino-owned companies in the U.S., the agency has a deep commitment to serving underserved communities with bilingual (English and Spanish) support and flexible payment options.

Despite its BBB F rating and numerous customer complaints citing poor communication and unprofessional behavior, the agency continues to operate with a focus on accessibility. It offers free policy reviews, online quotes, and claims assistance — all part of a service model built on speed and simplicity. However, customers are advised to carefully review policy terms and understand that costs in California are significantly higher than the national average.

🏢 Our Carriers

Fred Loya Insurance operates as a captive agency, meaning it represents only its own branded insurance products and does not partner with multiple third-party carriers. All policies are issued directly through Fred Loya Insurance, LP, ensuring a streamlined process but limiting options for carrier comparison. For those seeking a broad range of insurer choices, an independent agency may be more suitable.

🗺️ Service Area

Fred Loya Insurance is licensed to operate in the state of California and primarily serves clients in Merced and surrounding areas. The physical office is located at 1950 Yosemite Pkwy, Ste C, Merced, CA 95340. The agency provides in-person, phone, and online services to residents across the region. Virtual support is available through mobile alerts and online payments, making it convenient for clients to manage their policies remotely.

💬 Getting a Quote

Obtaining a free quote from Fred Loya Insurance is simple and can be done in multiple ways:

• Visit the office in Merced during business hours
• Call (915) 590-5692 or (760) 984-5157
• Use the online quote tool at fredloya.com

A free consultation is available to review existing policies and explore potential savings. While the process is fast and accessible, be aware that final rates may be significantly higher than average for California drivers.

🚨 Claims Support

The agency offers claims assistance to help clients navigate the filing process. Emergency support is available by calling 1-800-444-4040. Services include guidance on documentation, status updates, and communication with adjusters. However, multiple customer reviews have reported delays and difficulty in getting claims paid, with descriptions such as “prolong and or outright try not to pay you.” Clients are encouraged to keep detailed records and follow up persistently.

👥 Meet Our Team

Fred Loya is the owner and founder of Fred Loya Insurance, LP. With over five decades in the insurance industry, he has built a network focused on affordability and accessibility. While the agency employs additional staff, specific agent names beyond Fred Loya are not publicly listed. Bilingual support in English and Spanish is available to better serve the local community.

📢 Client Testimonials & Reviews

Customer feedback for Fred Loya Insurance is overwhelmingly negative. Reviews frequently describe the company as “the worst/sketchiest company ever,” “rude liars,” and “unprofessional.” Common complaints include lack of accountability, poor communication, and refusal to pay valid claims. The Better Business Bureau lists 381 complaints, with 18 unresolved, resulting in an F rating. While the agency promotes affordability, these reviews suggest significant service and trust issues.

❓ Frequently Asked Questions

Does Fred Loya Insurance offer car insurance in Merced, CA?

Yes, Fred Loya Insurance provides auto insurance in Merced, CA, with immediate coverage options and policies tailored for high-risk drivers.

Can I get same-day car insurance without a credit check?

Yes, the agency offers same-day coverage and does not require a credit check to issue policies, making it accessible for those with limited credit history.

What discounts are available through Fred Loya Insurance?

Discounts include Multi-Car, Good Driver, Vehicle Alarm, and Mature Driver (55+) programs. However, eligibility requirements apply and may not result in lower premiums for all drivers.

Is Fred Loya Insurance BBB accredited?

No, this location is not BBB accredited and currently holds an F rating due to a high volume of unresolved customer complaints.

What languages are spoken at the Merced office?

The staff at Fred Loya Insurance in Merced speak both English and Spanish, providing bilingual support for the local community.

Editorial review: April 20, 2026 — Sources: fredloya.com, yelp.com, en.wikipedia.org, mapquest.com, facebook.com. If you notice any inaccurate data, please report it.