Fred Loya Insurance, founded in 1974, is a full-service agency that specializes in automobile insurance. The company provides a wide range of nonstandard insurance products and services. It operates more than 100 branch offices. It offers annual, semiannual and monthly renewal policies. Its claims department provides 24-hour settlement service for physical damage claims. Its additional services include optional payment plans, 24-hour phone assistance and immediate coverage. The company s Web site offers various features, such as information on rates and quotes and product guides. In addition, it offers online account access and claims processing service. Fred Loya Insurance has various locations in San Antonio.