Fred Loya Insurance - Auto Insurance El Paso, TX | CarGuru

📜 About Us

Founded in 1974, Fred Loya Insurance has been a family‑owned agency for over five decades. Starting in El Paso, Texas, the company grew to serve 12 states across the Southwest and Midwest. The agency’s mission is to provide affordable, reliable coverage to drivers who are often overlooked by larger carriers. Community involvement is a core value – the agency sponsors the El Paso Christmas Light Show and supports local charities each year.

🛡️ Insurance Services Offered

Fred Loya Insurance offers a full suite of personal and commercial insurance products. Each policy is designed to meet the unique needs of high‑risk drivers, bilingual families, and small businesses.

• Auto Insurance: Liability, collision, comprehensive, SR‑22, and Mexican auto coverage.
• Motorcycle Insurance: Coverage for two‑wheel enthusiasts, including liability and comprehensive options.
• Homeowner’s Insurance: Protection for homes, personal property, and liability.
• Renters Insurance: Affordable coverage for tenants, covering personal belongings and liability.
• Commercial Auto Insurance: Fleet and single‑vehicle policies for businesses that rely on transportation.

All policies can be quoted online, and discounts are available for multi‑policy holders, safe drivers, military personnel, and customers with Mexican auto coverage.

🌟 Why Choose Us

Choosing Fred Loya Insurance means partnering with an agency that blends experience, community focus, and personalized service. Key advantages include:

• 52 years of experience: A proven track record since 1974.
• Bilingual staff: English and Spanish agents ready to assist.
• Positive client feedback: Reviewers frequently cite “affordable rates” and “friendly agents.”
• 24/7 claims assistance: A dedicated hotline (1‑855‑548‑5626) for emergencies.
• Online tools: Free quote portal, mobile app, and policy management portal.

🤝 Our Carriers

Fred Loya Insurance works with a network of reputable carriers to ensure each client receives the best price and coverage options. Because carrier relationships can change, the agency discusses specific partners during the quote process to match your needs precisely.

📍 Service Area

The agency is licensed in Texas and actively serves the following states:

• Arizona
• California
• Colorado
• New Mexico
• Oklahoma
• Indiana
• Tennessee
• Georgia
• Illinois
• Nevada
• Alabama
• Ohio

For exact licensing details, please call us at 800‑444‑4040 or contact the office directly.

📞 Getting a Quote

Obtaining a free quote is quick and convenient:

1. Visit fredloya.com and click “Get a Quote.”
2. Enter basic information (vehicle, driving history, desired coverage).
3. Speak with a bilingual agent by calling 800‑444‑4040 if you prefer personal assistance.
4. Receive a customized quote within minutes and discuss any discounts you may qualify for.

📑 Claims Support

When you need to file a claim, Fred Loya Insurance offers 24/7 support through a dedicated hotline (1‑855‑548‑5626) and an online claims portal. An experienced claims specialist will guide you through documentation, estimate preparation, and settlement, ensuring a smooth and timely process.

👥 Meet Our Team (Optional)

The agency’s agents are seasoned professionals with deep knowledge of regional insurance markets. While specific names are not listed publicly, every agent holds the necessary state licenses and many are certified CPCU (Chartered Property‑Casualty Underwriter) and CLU (Chartered Life Underwriter). Bilingual agents are readily available to assist Spanish‑speaking clients.

🗣️ Client Testimonials/Reviews

Customers consistently highlight three strengths:

• “Affordable rates that fit my budget.”
• “Quick service and friendly agents.”
• “Helpful bilingual staff made the process easy.”

Some reviewers note areas for improvement in responsiveness, but the agency’s commitment to continuous improvement is reflected in its community involvement and ongoing training.

❓ FAQs

❓ How do I get an auto insurance quote in El Paso?

Start by visiting the website or calling 800‑444‑4040. The online form provides an instant estimate, and a bilingual agent can refine the quote over the phone.

❓ What discounts are available for high‑risk drivers?

Discounts include multi‑policy savings, safe‑driver reductions, military benefits, and special pricing for drivers with Mexican auto coverage.

❓ Does the agency offer bilingual service?

Yes. Both English‑ and Spanish‑speaking agents are on staff to help you understand coverage options, file claims, and manage your policy.

❓ Which states are covered by Fred Loya Insurance?

The agency is licensed in Texas and serves Arizona, California, Colorado, New Mexico, Oklahoma, Indiana, Tennessee, Georgia, Illinois, Nevada, Alabama, and Ohio.

❓ How can I file a claim after an accident?

Call the 24/7 claims line at 1‑855‑548‑5626 or log in to the online portal. An agent will walk you through the required documentation and keep you updated on the claim’s status.

Ready to protect your vehicle, home, or business? Get your free quote today by calling 800‑444‑4040 or visiting the online quote portal.

Editorial review: June 27, 2026 — Sources: facebook.com, fredloya.com, quote.com, mysanantonio.com, usnews.com. If you notice any inaccurate data, please report it.