If you are searching for a Loya insurance phone number, the right number depends on what you need: a quote, customer service, claims help, roadside assistance, payment support, or policy questions. Calling the wrong department can waste time, so it helps to organize the main contact options before you start.
Based on publicly available company contact information reviewed for this guide, the main numbers commonly listed are 1-800-444-4040 for quotes and customer service, 1-800-880-0472 for claims, and 1-855-548-5626 for roadside assistance. Always confirm current contact details using your own policy documents, ID card, billing statement, or the company’s current contact information before relying on any number.
Loya Insurance Phone Numbers by Department
The fastest contact path depends on the reason you are calling. A quote question is different from a claim question, and roadside assistance is different from billing or policy support. Use the table below as a practical starting point, then verify the number on your own documents before calling.
| Department | Phone Number | Use This For | Before You Call |
|---|---|---|---|
| Quotes and customer service | 1-800-444-4040 | New quotes, policy questions, customer service, payment questions, and general support. | Have your ZIP code, driver details, vehicle information, policy number if available, and coverage questions ready. |
| Claims | 1-800-880-0472 | Reporting an accident, checking claim steps, asking what documents may be needed, or following up after a loss. | Have the policy number, accident date, location, driver information, vehicle details, photos, police report number if available, and towing details. |
| Roadside assistance | 1-855-548-5626 | Roadside help such as towing, flat tire support, fuel delivery, lockout help, or other covered roadside services if your policy includes it. | Confirm your policy includes roadside assistance and have your location, vehicle details, policy information, and safety concerns ready. |
Important contact reminder: Phone numbers and department routing can change. If you already have a policy, your insurance card, declarations page, billing statement, claim letter, or account portal should be treated as the most relevant contact source for your situation.
When to Call Quotes and Customer Service
The quotes and customer service number may be useful when you are shopping for a new policy, checking payment options, asking about proof of insurance, reviewing discounts, or trying to understand a change to your premium or policy details.
Before calling for a new quote, prepare the same details you would use when comparing online quote options. That makes the call easier and helps you compare the quote fairly with other insurers. You can also review a Fred Loya quote guide before calling so you know which details to ask about, such as coverage limits, deductibles, fees, and whether the quote is final or still subject to verification.
Useful questions for quotes or customer service
- Is the quote final or still subject to verification?
- What liability limits are included?
- Are collision and comprehensive included or excluded?
- What deductible applies?
- Are there installment fees, cancellation fees, or reinstatement rules?
- What discounts were applied and which ones still require proof?
- When does coverage become effective?
- How do I receive proof of insurance?
When to Call the Claims Number
The claims number is the better contact path after an accident, theft, towing issue, vehicle damage, or other possible covered loss. If you are dealing with a claim, focus on documentation and safety first. Then call the claims department with the details organized.
For a deeper checklist, use our Fred Loya insurance claim guide before or after calling. It explains what to document after an accident, what information to have ready, how to track a claim, and what coverage details may affect repairs, rental reimbursement, or claim payment.
- Policy number Keep your policy number or claim number where you can find it quickly.
- Accident details Date, time, location, weather, road conditions, and a short description of what happened.
- Vehicle information Year, make, model, VIN, license plate, and current vehicle location.
- Other driver details Name, phone number, license plate, insurer, and policy number if available.
- Photos and documents Damage photos, accident exchange forms, towing receipts, repair estimates, and police report number.
- Coverage questions Ask about deductibles, rental reimbursement, towing, inspections, and next steps.
When to Call Roadside Assistance
Roadside assistance is separate from regular customer service and claims support. It may be useful if your policy includes roadside coverage and you need help with towing, a flat tire, fuel delivery, lockout assistance, or another roadside situation.
Roadside benefits can have limits, exclusions, distance rules, or service restrictions. Before relying on the number, check whether the policy includes roadside assistance and whether the situation qualifies. Coverage details can vary by policy and state.
Safety first: If you are on a highway, shoulder, intersection, or unsafe location, move to a safe place when possible and legal. Emergency situations may require local emergency services before insurance or roadside assistance.
Mailing Addresses Listed for Claims and General Sales
Publicly available company contact information lists separate mailing addresses for claims and general sales. Mailing should not replace calling when a situation is urgent, but it may be relevant for documents, correspondence, or follow-up.
| Mailing Purpose | Address Listed | Use Carefully |
|---|---|---|
| Claims | P.O. Box 972450, El Paso, TX 79997 | Use for claims-related correspondence only after confirming the correct claim process and required documents. |
| General Sales | P.O. Box 972090, El Paso, TX 79997 | Use for general sales correspondence only after confirming that mailing is the right contact method. |
What to Have Ready Before Calling
Having the right information ready can make the call shorter and reduce mistakes. Public company contact materials mention preparing current insurance policy information, current vehicle and driving record information, driver’s license numbers for each driver, and the vehicle identification number.
For a quote or policy question
- ZIP code and garaging address
- Driver’s license number for each driver
- Vehicle Identification Number
- Vehicle year, make, model, and usage
- Current insurance information
- Coverage limits and deductible preferences
For a claim or accident question
- Policy number or claim number
- Accident date, time, and location
- Photos and police report information
- Other driver and vehicle information
- Towing or storage location
- Repair, rental, and deductible questions
How to Avoid Calling the Wrong Number
If you only need a quote, the claims department may not be the right place to start. If you have an accident, customer service may route you to claims anyway. If you are stranded, roadside assistance may be faster than a general service line.
Drivers who prefer in-person support can also use a local office as a starting point. A nearby office may help with quote questions, payment questions, document help, or coverage explanations. For office-related details, check our Fred Loya Insurance locations guide before visiting so you know what to bring and what to confirm.
Choose the department by situation
- Shopping for coverage: use quote or customer service support.
- Already had an accident: use the claims number.
- Stranded or need towing: use roadside assistance if your policy includes it.
- Need proof of insurance: customer service, account tools, or local office support may help.
- Need to compare coverage: ask about limits, deductibles, exclusions, and payment terms before buying.
What to Ask Before Buying a Policy by Phone
Buying by phone can be convenient, but you should still review the same details you would review online or in person. A phone quote should be compared by coverage, not only by the first payment.
When reviewing Loya car insurance or another auto insurance option, ask whether the policy includes liability only or whether it also includes collision, comprehensive, medical coverage, uninsured motorist coverage, roadside assistance, or rental reimbursement.
- Final price Ask whether the price is final or still subject to verification.
- Coverage limits Confirm bodily injury and property damage liability limits.
- Deductibles Ask what deductible applies to collision or comprehensive coverage.
- Optional coverage Ask about roadside, rental, UM/UIM, PIP, MedPay, and GAP options.
- Payment terms Review down payment, monthly payment, total premium, and fees.
- Documents Ask how you will receive ID cards, declarations page, and proof of insurance.
Phone Support vs. Online Quote vs. Local Office
Some drivers prefer calling because they want quick answers. Others prefer starting online because it is faster to compare. A local office may be better if you want to bring documents or ask questions face to face. Each path can work, but the policy details still matter most.
| Contact Option | Best For | Watch For |
|---|---|---|
| Phone support | Quote questions, customer service, policy help, payment questions, and department routing. | Ask for written confirmation of important policy changes, final premium, and effective date. |
| Online quote path | Starting a quote quickly, comparing basic options, and preparing before calling. | Online quotes may change after driver, vehicle, discount, or eligibility details are verified. |
| Local office | In-person explanations, document help, payment questions, and policy review. | Office hours, services, and availability can vary by location. |
Frequently Asked Questions About Loya Insurance Phone Numbers
What is the Loya insurance phone number for quotes and customer service?
The quotes and customer service number commonly listed in public company contact information is 1-800-444-4040. Confirm the current number on your own policy documents, billing statement, or current company contact information before calling.
What is the Loya insurance claims phone number?
The claims number commonly listed in public company contact information is 1-800-880-0472. Use the claims number for accident reporting, possible covered losses, claim questions, and follow-up after a claim is opened.
What is the Loya insurance roadside assistance number?
The roadside assistance number commonly listed in public company contact information is 1-855-548-5626. Roadside benefits may depend on whether your policy includes the coverage and whether the situation qualifies.
What should I have ready before calling for a quote?
Have your ZIP code, current insurance information, vehicle and driving record details, driver’s license number for each driver, and VIN ready. You should also know what liability limits and deductibles you want to compare.
Should I call or use an online quote first?
Either can work. An online quote may help you start quickly, while a phone call can help clarify coverage, payment terms, discounts, and final details. The important step is to compare the actual policy terms before buying.
Is LoyalInsurance.org affiliated with Fred Loya Insurance?
No. LoyalInsurance.org is an independent informational website. It is not affiliated with Fred Loya Insurance, Loya Insurance Group, or any insurer. Drivers should confirm final numbers, rates, policy terms, and claim instructions directly through their own documents or the company’s current contact information.
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Sources
This article was updated using public company contact information and consumer-focused insurance resources. Phone numbers, addresses, department names, office services, and claims processes can change. Drivers should confirm the current contact path using their policy documents, ID card, billing statement, claim documents, or current company contact information before taking action.
- Public company contact information reviewed on June 14, 2026, including listed phone numbers for quotes/customer service, claims, roadside assistance, and mailing addresses.
- Public company quote-preparation information reviewed on June 14, 2026, including policy information, vehicle and driving record information, driver’s license number for each driver, and VIN.
- National Association of Insurance Commissioners — Auto Insurance Consumer Resources
- National Association of Insurance Commissioners — Auto Insurance Shopping Tool
- Insurance Information Institute — Auto Insurance Basics