Fred Loya offers auto insurance to non-standard or high risk drivers in its six state markets. Fred Loya Insurance originated in Texas and expanded its market to the following states: Illinois, Colorado, Nevada, California, and New Mexico. The company is known for picking agency locations that are near public shopping centers, office buildings, grocery stores and other areas with high levels of foot traffic. Drivers with poor credit, a limited driving history, and other drivers who may have difficulties getting insured are a part of the company’s target market. Fred Loya has been the subject of numerous complaints from current and former customers online, mostly regarding customer service and claims related problems.