Fred Loya Insurance

Don’t EVER, EVER, EVER, EVER try to get Fred Loya insurance over the phone. This may not apply wholly to their offices, but everything about the experience of getting it over the phone and trying to cancel it over the phone was entirely unsatisfactory – less than unsatisfactory; it was offensive and grueling. [If you try to call a local office, you will be transferred to an 800 number – you apparently cannot deal with a local office unless you physically enter it.]
If you like being put on hold for forty minutes at a time; filling out ten times as much paperwork just to cancel as any other company requires for obtaining insurance; having to listen to a phone agent read, in monotone, 7 minutes’ worth of recorded disclaimer until your ears bleed; never being able to talk to the person you talked to before, despite having called their individual extension; having them refuse to back-​date your cancellation unless you provide a Declarations Page from your new insurer – not a policy card, a Declarations Page [back-​date, because they claim to have never received the cancellation letter that you faxed days before, and they refuse to accept the fax confirmation page clearly indicating the date on which the original letter was faxed]: if that sounds fun, then by all means, go with Fred Loya.
We were under the impression that their rates were significantly lower. They were, when we only had one car to insure, with liability only. Once we added another, the rates jumped up to $ 50/​month more than Allstate’s quote.
I cannot UN-​recommend Fred Loya’s over-​the-​phone service strongly enough.