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Fred Loya Insurance, located at 2776 West Alton Gloor Boulevard in Brownsville, Texas, is an insurance agency that offers a variety of options for auto insurance. With the convenience of choosing your down payment and monthly payments, your policy can be issued the same day. Discounts may vary by state, with certain restrictions applying. Most states require liability car insurance, which covers property damage and bodily injury expenses in the event that you cause a car accident. Comprehensive coverage pays for repair and replacement costs in incidents other than collisions, such as theft, vandalism, or natural disasters. Collision coverage covers vehicle repair after an accident with another vehicle or object.