Cancel

Open app

Search

Fred Loya Insurance

1.0 (1 review)
Closed Closed

Services - Fred Loya Insurance

Car and truck insurance

Vehicle

Fred Loya Insurance Photos

You might also consider

Recommended Reviews - Fred Loya Insurance

Your trust is our priority, so businesses can't pay to alter or remove their reviews. Learn more about reviews.
Yelp app icon
Browse more easily on the app
Review Feed Illustration
Photo of Amy S.
47
18
1

10 months ago

Helpful 0
Thanks 0
Love this 0
Oh no 0

Verify this business for free

Get access to customer & competitor insights.

Verify this business

LTN Insurance Services

LTN Insurance Services

(2 reviews)

If you're looking for a company that does the bare minimum and gives you the run around and is…read moreimpossible to get ahold of, you will be very happy. We sold our home over a year ago about a month after our insurance premium was paid. Tried notifying as we are due a refund of the difference. It's almost a year later and they could not be bothered to return a call initially, now it's like chasing a disgruntled toddler trying to get information on where the refund is and why it hasn't been sent. This wasn't our first home sale but it was our first time dealing with people so wildly incompetent.

I don't usually write a review unless I feel what happened was unjustified with no reimbursement…read more In short, I purchased a car and told Zach I wanted the exact same coverage as on my Ford Explorer for my 2020 Ford Edge. I have always had full glass coverage and had a $50 deductible for glass on my Explorer. I assumed as I had directed the agent to do that he would include the glass coverage on my Edge. I trusted he would but he didn't. I had a huge rock hit my windshield and when I called I was told I didn't have the coverage and had $500 deductible. I asked why?? I said I had told Zach when purchasing my vehicle at the dealership to give me the full exact coverage. EXACT !!!! Christie told me that they had changed their voice mail recording program and therefore they couldn't prove I said that. So because they changed their system it was my word against the agents. Gee who wins in that scenario? I understand I should have checked my policy but when told you are fully covered I believe it is the agents responsibility to review and compare the policies of both cars. If he sees there is a discrepancy then he should bring it to the clients attention. Chris the owner, said if he helped me with the deductible he would have to do it for everyone. So I just paid $500 instead of $50 as should have been. The good news in all of this is I found Hill Robinson at Southern Coastal Insurance in Daphne, Al. He switched me to a different company and with the glass coverage I am saving over $45/month on payments. He has been in the business for decades. I am simply stating the facts of what happened. I am going to not lambast LTN on the internet. I gave two stars albeit reluctantly. Moral to this story, is don't believe your agent when he says you are getting the exact same coverage. Be diligent and see what he/she has done.

Thomas, Harrison & Associates

Thomas, Harrison & Associates

(2 reviews)

As the cutting edge, top tier insurance agency on the Alabama Gulf Coast, Thomas, Harrison, and…read moreAssociates is here to meet every one of your insurance related concerns. Every member of this company is outstanding, but Kimi Hancock Helms sets the bar higher each and every day. With the ability to shop policies through numerous carriers, this independent agency offers the most cost-effective and value-driven insurance rates I have ever seen, and I've seen a lot. With over 25 years of insurance experience, Kimi wields a vast wealth of knowledge and gives each and every one of her clients the personal time and attention they deserve. Do you know the difference between ACV and RCV when it comes to your home's roof? Kimi does! Do you need flood insurance, or wind insurance, or an umbrella policy? Do you even know what an umbrella policy is? I don't, but Kimi knows it has nothing to do with a bunch of actual umbrellas. Unless maybe it actually is a policy for your fancy European umbrella collection. When's the last time you actually spoke to your agent? Kimi talks to people. All. Day. Long. If your insurance agency or agent doesn't regularly service your account to ensure your hard-earned money is effectively spent, give Kimi a call. She can help cover what matters most to you. Kind of like a human lady umbrella.

Stop looking! You've found your insurance agent with Kimi Helms. Seriously. She'll and her team…read morewill work tirelessly to get you the right product for your needs at the best possible price.

Fred Loya Insurance - autoinsurance - Updated June 2026

Loading...
Loading...
Loading...