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Fred Loya Insurance is an insurance agency located at 530 South Cherokee Lane in Lodi, California. They offer the convenience of choosing your down payment and monthly payments for your auto insurance policy, which can be issued the same day. Discounts may vary by state and certain restrictions apply. Most states require liability car insurance, which covers property damage and bodily injury expenses if you cause a car accident. Comprehensive coverage pays for repair and replacement costs in incidents other than a collision, such as theft or vandalism. Collision coverage pays for vehicle repair in accidents with other vehicles or objects.