Finding the right car insurance can be a tedious task. With so many options to choose from, it’s important to find a provider that offers quality coverage at an affordable rate. One popular insurance company in the southwestern United States is Fred Loya Insurance. With decades of experience and numerous locations across several states, Fred Loya Insurance has become a go-to choice for many drivers looking to get insured.
When considering Fred Loya Insurance, it’s helpful to understand their hours of operation. This allows customers to know when they can contact Fred Loya Insurance, whether by phone, online, or in-person at a local branch. Having this information can make the process of getting a quote or making policy changes much easier.
Fred Loya Insurance Regular Hours
The majority of Fred Loya Insurance offices are open for regular business hours Monday through Friday from 8:00am to 5:00pm local time. However, hours may vary slightly by location so it’s always best to confirm with your local office.
On Saturdays, most locations are open for reduced hours, usually from 9:00am to 2:00pm. The offices are closed on Sundays.
Contacting Fred Loya Insurance
If you need assistance outside of regular business hours there are a few options for getting in touch with Fred Loya Insurance
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By Phone: You can call 1-888-248-8787 to reach the 24/7 customer service call center. This number can be used for questions about your policy or to get a quote.
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Website FredLoya.com allows you to get a quote online, make payments access your policy documents, and file claims 24/7.
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Mobile App The Fred Loya mobile app offers similar capabilities as the website for added convenience
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Social Media: Customers can also contact Fred Loya Insurance on Facebook and YouTube. Responses are typically provided within 48 hours.
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Email: You can email customer service using the form on their website and expect a reply within 48 hours.
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Mail: Write to the corporate office at 1800 Lee Trevino, El Paso, TX 79936. Responses are given within 5 business days.
Fred Loya Insurance Holiday Hours
On major holidays, Fred Loya Insurance may have reduced hours or close offices completely. These holidays include:
- New Year’s Day
- Martin Luther King, Jr. Day
- Presidents’ Day
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Eve
- Christmas Day
- New Year’s Eve
Be sure to contact your local office ahead of time to confirm holiday hours of operation. Customer service is also available with limited staff on holidays.
Getting a Quote During Off Hours
One of the biggest advantages of Fred Loya Insurance is the ability to get a quote at any time of day. By using the website or mobile app, you can enter details about yourself, your vehicle, and driving history to get a personalized premium estimate. This information is also saved if you want to complete the full application process later.
The website and app also provide convenient access to your insurance card and policy documents. You can view or print at your convenience in the event you need them during non-business hours.
Filing a Claim Outside of Business Hours
Unfortunately, accidents and car issues don’t always happen between 9 and 5. Fred Loya Insurance offers several ways to file a claim at any hour:
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Call 1-800-880-0472 to report your claim over the phone. This starts the claims process and gets your damage on record.
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Use the mobile app or website claims portal to file the claim digitally, even uploading photos of the damage.
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Email [email protected] or [email protected] with details and images of the loss.
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Call roadside assistance at 1-855-548-5626. They can dispatch a tow truck or other roadside help for covered incidents.
Starting the claims process quickly is important, even if outside of regular business hours. The claims team can then follow up with additional information and process your claim during normal hours.
Making Payments After Hours
Policy payments can be made online through the Fred Loya website or mobile app at any time. You can pay with e-check, debit/credit card or even Apple/Google Pay. Payments are typically processed within 1-2 business days.
If you prefer to pay in-person, you can visit one of hundreds of authorized payment locations during their business hours. Common payment centers include Albertsons, CVS Pharmacy, Dollar General and more. This provides expanded hours for making a payment locally.
Modifying Your Policy After Hours
Simple policy changes like updating your address or vehicle information can be done online through the Fred Loya member portal. More complex modifications like adjusting coverages may need to wait until you can consult with an agent during regular business hours.
During open hours, you can call or visit your local office to discuss changes. Agents can provide quotes for different coverage options and make adjustments to best fit your needs and budget.
Key Takeaways About Fred Loya Insurance Hours
- Regular hours are Monday-Friday 8am-5pm, with Saturday 9am-2pm at most locations
- Contact options like website, app and phone line provide after-hours access
- Holiday and special event closures can vary by location
- Quotes, payments and claims can be initiated online 24/7
- For major policy changes, contact an agent during business hours
Knowing the details about Fred Loya Insurance hours of operation makes it easy to get quotes, make policy changes or file claims when needed. With additional options for contacting them outside of regular business hours, Fred Loya Insurance strives to provide helpful and convenient service for all customers.
FAQ
What’s the grace period for Fred Loya Insurance?
Is there a grace period on my policy? -No, your payment is due on the date that it is due. If payment is late, a late fee might be assessed or subject to cancellation. All payments are due by 12:00 am MDT of the due date.
Is Fred Loya Insurance any good?
Fred Loya Insurance has an average rating of 1.5 from 687 reviews. The rating indicates that most customers are generally dissatisfied.
What is the cheapest car insurance in Texas?
Texas Farm Bureau has the cheapest minimum coverage in Texas, with an average rate of $35 per month, according to NerdWallet’s April 2025 analysis. Texas Farm Bureau has the cheapest full coverage auto insurance in Texas, with an average rate of $107 per month.
Does Fred Loya offer full coverage?
Though the term ‘full coverage’ is widely used there is no policy which provides ‘full coverage. ‘ Every policy has limits and deductibles in addition to exclusions.
How do I contact Fred Loya Insurance?
Contact Fred Loya Insurance by calling the following company telephone numbers: Fred Loya’s business hours are from 7 a.m. to 8 p.m. Monday through Friday and 7 a.m. to 4 p.m. on Saturday; the company is not open on Sundays. If you prefer to conduct business via post, you can also send your claim information to the company’s mailing address:
What are Fred Loya’s business hours?
Fred Loya’s business hours are from 7 a.m. to 8 p.m. Monday through Friday and 7 a.m. to 4 p.m. on Saturday; the company is not open on Sundays. If you prefer to conduct business via post, you can also send your claim information to the company’s mailing address: Fred Loya Insurance P.O. Box 972450 El Paso, TX 79997 Who owns Fred Loya Insurance?
Is Fred Loya a company?
Fred Loya Jr. is the chief executive officer of EP Loya Group, the private company of which Fred Loya Insurance Agency is a subsidiary. The Fred Loya Insurance headquarters is located in El Paso, Texas. Subsidiaries of the EP Loya Group franchise include: Is Fred Loya car insurance cheap?
How much does Fred Loya Insurance pay for damages?
Fred Loya Insurance might pay between $10-20,000 for damages when minor injuries, such as sprains or soft tissue damage, and minor damage to the vehicle are involved.
Does Fred Loya offer auto repair services?
Fred Loya contracts with a number of mechanic shops, which it calls Direct Repair Facilities (DRPs), and auto repairs completed at these shops are guaranteed for as long as you own or lease the car.
Does Fred Loya Insurance cover car accidents?
When policyholders under Fred Loya Insurance get into car accidents, they often feel confident that their insurance plan will provide coverage for the damages they had endured.