Loya vs National General Car Insurance for 2023
Unfair Claim Denials and Bad Faith Practices: Loya vs National General Car Insurance Face Legal Battle
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
UPDATED: Apr 11, 2023
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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Apr 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Are you looking for the best car insurance policy that offers the most comprehensive coverage at an affordable price? Look no further than Loya car insurance and National General car insurance. These two leading car insurance providers have been offering quality services to their customers for years. However, deciding between them can be quite challenging. In this review, we’ll take a deep dive into Loya vs National General car insurance for 2023, and compare their policies, services, and rates to help you make an informed decision.
Interesting Attributes of Loya and National General Car Insurance
Before we dive into the details of these two car insurance providers, let’s take a look at some interesting attributes of Loya and National General:
- Loya offers free SR-22 filing for high-risk drivers who need to prove they carry insurance.
- National General provides a 12-month rate lock guarantee, which means your car insurance rate won’t change for a whole year.
- Both Loya and National General offer convenient mobile apps that allow customers to manage their policies, file claims, and access roadside assistance with just a few clicks.
Company History and Mission
Loya was founded in 1974 by the Loya family in El Paso, Texas, with the goal of providing affordable car insurance to the local community. Since then, the company has expanded to over 700 locations in 12 states, including California, Colorado, Illinois, New Mexico, and Texas. Loya’s mission is to provide the best car insurance rates while maintaining superior customer service and support.
National General, on the other hand, has been providing car insurance to customers for over 75 years. The company was originally founded in 1920 as Motors Insurance Corporation and has since gone through multiple name changes. National General’s mission is to provide affordable car insurance coverage that meets the unique needs of its customers.
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Products and Services
Loya and National General offer a wide range of car insurance products and services to their customers, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured motorist coverage. Loya also offers rental car coverage, while National General provides gap insurance, which covers the difference between the actual cash value of your car and the amount you still owe on your car loan or lease.
The cost of these services varies depending on several factors, such as the driver’s age, driving record, type of car, and location. In general, Loya offers more affordable rates compared to National General. However, it’s important to note that rates may vary depending on the state you live in.
Discounts and Qualifications
Both Loya and National General offer several discounts to their customers. Loya provides discounts for drivers with a clean driving record, multiple vehicles, multiple policies, and military personnel. National General offers discounts for safe drivers, good students, multiple vehicles, and bundling home and auto insurance.
To qualify for these discounts, customers must meet certain criteria. For example, to qualify for Loya’s military discount, you must be an active or retired member of the military, and to qualify for National General’s safe driver discount, you must have a clean driving record for at least three years.
Customer Reviews
According to customer reviews, both Loya and National General receive mixed feedback. While some customers praise their affordable rates and excellent customer service, others complain about slow claims processing and difficulty canceling policies.
However, Loya has received several awards for its outstanding customer service, including the JD Power 2020 U.S. Auto Insurance Study for the Texas region. National General has also received several awards, such as the 2020 Auto Insurance Shopping Study by J.D. Power.
FAQ
Q: Which car insurance provider is more affordable, Loya or National General?
A: Loya generally offers more affordable rates compared to National General.
Q: Do Loya and National General offer roadside assistance?
A: Yes, both Loya and National General offer roadside assistance services to their customers.
Q: What discounts are available for Loya and National General customers?
A: Loya provides discounts for drivers with a clean driving record, multiple vehicles, multiple policies, and military personnel. National General offers discounts for safe drivers, good students, multiple vehicles, and bundling home and auto insurance.
Q: What types of coverage do Loya and National General offer?
A: Loya and National General offer a wide range of car insurance products and services to their customers, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured motorist coverage.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.