Auto Club vs Loya Car Insurance for 2023
Auto Club and Loya are both well-known providers, but they differ in their coverage options, pricing, and customer service
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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 7, 2023
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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 7, 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.
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Are you looking for the right car insurance company to protect your car and provide you with peace of mind? With so many options on the market, it can be overwhelming to choose the right one for you. In this review, we will compare two popular car insurance providers: Auto Club car insurance and Loya car insurance.
Before we dive into the specifics, let’s take a look at some interesting attributes of both companies:
Auto Club:
- Offers a mobile app that allows users to access their policy information, make payments, and request roadside assistance.
- Has a 24/7 customer service line for emergencies.
- Offers a wide range of discounts for safe driving, good grades, and multi-vehicle policies.
Loya Car Insurance:
- Provides coverage for drivers who have been previously denied insurance due to their driving record or other factors.
- Offers a loyalty program that rewards customers with discounts for staying with the company.
- Provides bilingual customer service in English and Spanish.
Now, let’s get into the details of each company and see how they stack up against each other.
Company History and Mission:
Auto Club was founded in 1900 as a way to provide emergency roadside assistance to its members. Since then, it has expanded its offerings to include insurance products for cars, homes, and more. Their mission is to provide quality services and products to their members at a reasonable cost.
Loya Car Insurance, on the other hand, was founded in 2006 and has quickly grown to become a popular choice for drivers who have been previously denied coverage. Their mission is to provide affordable and accessible insurance options for all drivers, regardless of their circumstances.
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Products and Services:
Auto Club offers a range of insurance products, including car insurance, home insurance, life insurance, and more. Their car insurance policies include liability coverage, collision coverage, and comprehensive coverage. They also offer roadside assistance, which can be helpful in case of a breakdown or other emergency.
Loya Car Insurance specializes in car insurance and offers a range of policies to meet the needs of different drivers. Their policies include liability coverage, collision coverage, and comprehensive coverage. They also offer roadside assistance and rental car coverage.
Cost and Availability:
Auto Club car insurance policies are available in 21 states, including California, Nevada, and Texas. The cost of their policies varies depending on factors such as your driving history, age, and the type of car you drive. They offer discounts for safe driving, good grades, and multi-vehicle policies.
Loya Car Insurance policies are available in 12 states, including California, Texas, and Colorado. The cost of their policies also varies depending on factors such as your driving history, age, and the type of car you drive. They offer discounts for safe driving, good grades, and multi-vehicle policies.
Discounts Available to Customers:
Auto Club and Loya Car Insurance offer several discounts to help customers save money on their policies. Some of the most common discounts include:
- Multi-policy discount: If you have multiple policies with the same insurance company, such as home and auto insurance, you may be eligible for a discount.
- Safe driver discount: If you have a clean driving record, you may be able to save money on your car insurance premiums.
- Good student discount: If you’re a student with good grades, you may be eligible for a discount on your car insurance.
- Anti-theft device discount: If your car has an anti-theft device installed, you may be able to save money on your car insurance premiums.
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Customer Reviews of Auto Club and Loya Car Insurance
Before we dive into the specifics of each company, let’s take a look at what customers have to say. Auto Club has a solid reputation among its customers, with many praising the company’s excellent customer service and affordable rates. However, some customers have reported issues with claims processing and delays in receiving payouts.
Loya Car Insurance, on the other hand, has received mixed reviews from customers. While some customers have had positive experiences with the company’s customer service and claims processing, others have reported issues with denied claims and poor communication. Overall, it seems that Auto Club has a stronger reputation among its customers than Loya Car Insurance.
FAQ
Q: What types of insurance policies does Auto Club offer?
A: Auto Club offers a variety of insurance policies including auto, home, renters, life, and umbrella insurance.
Q: How can I get a quote from Auto Club Insurance?
A: You can get a quote from Auto Club Insurance by visiting their website, calling their customer service center, or visiting one of their local branches.
Q: What factors affect the cost of my auto insurance policy with Auto Club?
A: Factors that can affect the cost of your auto insurance policy with Auto Club include your driving record, age, gender, type of car, location, and coverage options.
Q: Does Auto Club offer discounts on their insurance policies?
A: Yes, Auto Club offers a variety of discounts on their insurance policies including multi-policy, safe driver, good student, and anti-theft device discounts.
Q: How do I file a claim with Auto Club Insurance?
A: You can file a claim with Auto Club Insurance by calling their claims department or by logging into your online account and filing a claim there.
Loya Car Insurance:
Q: What types of car insurance policies does Loya Car Insurance offer?
A: Loya Car Insurance offers liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist insurance.
Q: How can I get a quote from Loya Car Insurance?
A: You can get a quote from Loya Car Insurance by visiting their website, calling their customer service center, or visiting one of their local branches.
Q: Does Loya Car Insurance offer discounts on their insurance policies?
A: Yes, Loya Car Insurance offers a variety of discounts on their insurance policies including multi-policy, safe driver, good student, and military discounts.
Q: What factors affect the cost of my car insurance policy with Loya Car Insurance?
A: Factors that can affect the cost of your car insurance policy with Loya Car Insurance include your driving record, age, gender, type of car, location, and coverage options.
Q: How do I file a claim with Loya Car Insurance?
A: You can file a claim with Loya Car Insurance by calling their claims department or by logging into your online account and filing a claim there.
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.