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Fred Loya Insurance, located at 114 North University Avenue in Lubbock, Texas, is a reliable insurance agency that offers a variety of coverage options to meet your needs. With the convenience of choosing your down payment and monthly payments, you can get your auto insurance policy issued the same day. Discounts may vary by state, and certain restrictions apply. In most states, liability car insurance is required, covering property damage and bodily injury expenses in the event of an accident. Comprehensive coverage pays for repair and replacement costs for incidents other than collisions, such as theft, vandalism, or natural disasters. Collision coverage covers your vehicle repair after an accident with another vehicle or object.