Question 1

Does Fred Loya Insurance offer non-owner car insurance?

Accepted Answer

Availability is not confirmed in our directory. Call Fred Loya Insurance directly to ask whether they currently write non-owner policies for drivers without a personal vehicle.

Question 2

Which state does Fred Loya Insurance file SR-22 in?

Accepted Answer

Fred Loya Insurance is located in Pharr, Texas. SR-22 filings are usually made in the state where the violation occurred, which is not always the state where you live. Ask the agent whether they can file in your violation state if it differs from Texas.

Question 3

What does Texas require for proof of financial responsibility?

Accepted Answer

Texas uses the SR-22 form for proof of financial responsibility after qualifying violations. Typical duration is 2 years. Exact requirements vary by violation type — check your court or DMV notice and confirm with the agent before buying.

Question 4

How do I contact Fred Loya Insurance?

Accepted Answer

You can call, visit their website, or get directions directly from their listing on this page. For time-sensitive SR-22 filings, calling is the fastest path. Ask whether they can file the same day and confirm the quote in writing before paying.

Question 5

Is Fred Loya Insurance well rated?

Accepted Answer

Fred Loya Insurance has a 4.6/5 rating across 67 Google reviews. Ratings are aggregated from public sources and are a useful signal, but they reflect general customer experience — confirm non-owner and SR-22 specialty directly with the agent.

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