Fred Loya Insurance

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<title>Fred Loya Insurance | San Francisco, CA · reviews &amp; AI Score · Local AI Registry</title>
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# Local AI Registry

> The public record of what AI assistants say about local businesses. Every entry checked, scored, and kept current.

Local AI Registry is the editorial, never-sponsored record of what local
businesses are known for, and whether AI assistants actually recommend them.
We score every local business the same way and rank them: website, reviews,
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# Fred Loya Insurance, San Francisco: an auto insurance agency in San Francisco (2026 guide)

Source: Local AI Registry, https://localairegistry.com/biz/ca/san-francisco/fred-loya-insurance-san-francisco-ca. Free to reuse with a link back.

By Steve Lee, founder and CEO of Local AI Registry. Fact-checked against 1 source. Updated 2026-09-23. Owner review: not yet.

Canonical: https://localairegistry.com/biz/ca/san-francisco/fred-loya-insurance-san-francisco-ca

## Photos

- ![Photo 1](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmue5k1u70pexyeiqq1teb4ui%2F0.jpg)
- ![Photo 2](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmue5k1u70pexyeiqq1teb4ui%2F1.jpg)
- ![Photo 3](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmue5k1u70pexyeiqq1teb4ui%2F2.jpg)
- ![Photo 4](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmue5k1u70pexyeiqq1teb4ui%2F3.jpg)
- ![Photo 5](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmue5k1u70pexyeiqq1teb4ui%2F4.jpg)


## In short

Fred Loya Insurance is an auto insurance agency in San Francisco, CA. Its AI Score is 24 of 100, which is poor.

Every fact on this page carries one of three marks: Confirmed (from their website, Google Business Profile, review sites, licensing boards, or measured by Local AI Registry), Visitor submitted (added by a person, with a date and how they know), or AI guess (what AI engines like Gemini are saying, not confirmed by anyone). Every mark points to a reference at the end of this page.


## Key facts

| Fact | Value |
| --- | --- |
| Type | Auto insurance agency |
| Address | 2098 Mission St, San Francisco, CA 94110, USA |
| Hours | Mon to Fri 9 AM to 6 PM · Sat 10 AM to 2 PM · Closed Sun |
| Phone | (415) 864-2611 |
| Owner | Nothing found |
| Rating | 3.5 across 33 reviews |
| Known for | Nothing found |
| Prices | Nothing found |
| Quietest time | Nothing found |
| Parking | Nothing found |
| Last verified | September 23, 2026, 6:42 AM |


## All the details

Every row is something the owner can add or correct. Each one is marked Confirmed, Visitor submitted or AI guess, with where it came from.

| Group | Fact | Value | Mark | Evidence |
| --- | --- | --- | --- | --- |
| Location info | Name | Fred Loya Insurance | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Location info | Address | 2098 Mission St, San Francisco, CA 94110, USA | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Location info | Phone | (415) 864-2611 | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Location info | Hours | Mon to Fri 9:00 AM to 6:00 PM · Sat 10:00 AM to 2:00 PM · Sun Closed | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Location info | Description | ALL LOCATIONS NOW HIRING Apply today | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Hours | Monday | 9:00 AM to 6:00 PM | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Hours | Tuesday | 9:00 AM to 6:00 PM | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Hours | Wednesday | 9:00 AM to 6:00 PM | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Hours | Thursday | 9:00 AM to 6:00 PM | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Hours | Friday | 9:00 AM to 6:00 PM | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Hours | Saturday | 10:00 AM to 2:00 PM | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Hours | Sunday | Closed | Confirmed | Google Business Profile, checked Sep 23, 2026 |
| Links | Website | https://www.fredloya.com/ | Confirmed | Google Business Profile, checked Sep 23, 2026 |


## Services and prices

Services not read yet, back on Scan Day.


### Known for

Reviews not read yet, back on Scan Day.


## The team

Nothing found


## Visiting Fred Loya

Address: 2098 Mission St, San Francisco, CA 94110, USA. Phone: (415) 864-2611. Hours: Mon to Fri 9 AM to 6 PM · Sat 10 AM to 2 PM · Closed Sun. (Confirmed, Google Business Profile, checked September 23, 2026 at 6:42 AM.)


### Location info from Google Business Profile

Business description, written by Fred Loya on its Google Business Profile: "ALL LOCATIONS NOW HIRING Apply today"


### When to go

Busy times not read yet, back on Scan Day.


### Parking and getting in

Nothing found


### Nearby

Nearby places not read yet, back on Scan Day.


## Reputation

3.5 average across 33 reviews.


### What people like

Nothing found


### What people do not like

Nothing found


### Press

No press story about Fred Loya found yet.


### Awards

None named yet.


### Directories

Directory listings not read yet.


## Recent updates from Fred Loya

Fred Loya hasn't posted an update here yet.


## Questions people ask


### quietest day to hit Fred Loya?

No answer yet


### what has Fred Loya in San Francisco posted recently, I am not on Instagram

No answer yet


### new to this shop, anything I should know before I walk in?

No answer yet


### Downsides nobody puts in a five star review?

No answer yet


### cancellation list here, is there one

No answer yet


### worth it or not, what do the regulars say

No answer yet


### anything good on Mission to kill time near this shop?

No answer yet


### do they do payment plans at Fred Loya?

No answer yet


### anyone at Fred Loya people keep going back to?

No answer yet


### parking here, how bad is it?

No answer yet


### best auto insurance agency in San Francisco, CA

No answer yet


### Booking a first visit at Fred Loya, what happens?

No answer yet


### torn between this shop and Low Cost?

No answer yet


### discounts for coming back, is that a thing

No answer yet


### are prices in San Francisco higher than everywhere else

No answer yet


### is San Francisco expensive for this, or is it just here

No answer yet


### Open Sundays here?

No answer yet


### trying to book here, how long is the wait?

No answer yet


## What AI gets wrong about Fred Loya

We ask Gemini about Fred Loya. These are the answers that disagree with the record.

Gemini, read by Local AI Registry on Sep 23, 2026.

No capture has disagreed with the record yet.


## The AI Score: 24 of 100

The AI Score measures how likely AI engines are to recommend a business, and how accurately. San Francisco auto insurance agencies run 22 to 42. Fair starts at 45, good at 65. Fred Loya scores 24, below the San Francisco average of 28. The same method scores every business on the registry.

| Signal | Weight | Score | What it measures | Fred Loya |
| --- | --- | --- | --- | --- |
| Retrieval grounding | 26 | 0 | Whether you appear in the ranked results AI retrieves and cites: AI-Overview citations, organic top-10 for your money queries, and the Bing index ChatGPT leans on. | Poor |
| Off-property attestation | 20 | 40 | Volume and consistency of what others say about you: YouTube mentions, branded web mentions, third-party “best-of” lists. The cause of retrievability. | Poor |
| AI visibility | 14 | 0 | Whether ChatGPT, Gemini, Perplexity, and AI Overviews name you, and whether they name you for the right service. | Named in 0 of 1 answer that recommended anyone. |
| Reviews & response | 12 | 33 | The star average is only one input. We also read volume, velocity, the specificity of review language, and response cadence. Specific reviews are what AI quotes verbatim. | Poor |
| Backlink & citation authority | 8 | 61 | Domain authority and editorial quality of the sources that attest to you. | Fair |
| Google Business Profile | 8 | 84 | Required and recommended fields; update cadence. The listing AI pulls from first. | Good |
| Speed & mobile | 7 | 52 | Core Web Vitals at the 75th percentile, on a real phone. | Fair |
| Content freshness & schema | 5 | 100 | Crawl recency, intent alignment, valid JSON-LD, canonicals. | Good |

Full method: https://localairegistry.com/methodology


## How AI decides what to tell you about an auto insurance agency

When you ask ChatGPT, Gemini or Google about a local business, the AI doesn't visit it. It reads what's already written about it: the business's website, its Google Business Profile, review sites, news stories and directories like this one. Then it repeats what those sources agree on.

That's why AI gets small facts wrong. If Yelp says a place is open Mondays and the website says it isn't, the AI has to pick one. The table above shows the answers that disagree with the record today.

The more sources agree, and the more specific they are, the more confidently AI recommends a business. A review that names who helped and what they did tells an AI far more than one that says "great place."


## How to choose an auto insurance agency in California, with or without AI

A few checks take ten minutes and tell you more than any rating.

- Check that the hours and phone number match on Google, Yelp and the business's own website. Mismatches are how people end up at a locked door.
- Read reviews that name a person and what they did. Vague praise is easy to fake.
- Look for recent reviews and recent posts. A page nobody has touched in a year may not match the business today.
- Ask for the price before you go, and ask what it includes.
- Where the work needs a license, ask whose license it is and look it up with California.


## How to read the marks on this page

- Confirmed (solid circle): from a known source. The business website, its Google Business Profile, review sites like Yelp, Healthgrades and RealSelf, a licensing board, or measured by Local AI Registry.
- Visitor submitted (hollow circle): added or corrected by a person, with the date and how they know, like a phone call or a visit.
- AI guess (hollow triangle): what AI engines are saying right now. Nobody has confirmed it.


## About the author

Steve Lee is the founder and CEO of Local AI Registry and sets its editorial standards. He is a former Google executive in Search and a former Microsoft executive, with more than 20 years in digital: search, local discovery, and how people find businesses online. He is based in Irvine.

- Expertise: search at Google and Microsoft, AI search, answer engine optimization, generative engine optimization, local SEO, structured data and entity mapping.
- Industry: medical aesthetics, injectables, med spa operations and marketing.
- Disclosure: Local AI Registry sells services to business owners, including Fred Loya if it claims this page. That does not change what this page says. Every fact carries its source.


## Entity map

Every person, place, organization and treatment named on this page, with a stable ID and a public reference. The JSON-LD below connects them to each other.

| Entity | Type | ID on this page | Same as | Relationship to Fred Loya |
| --- | --- | --- | --- | --- |
| Fred Loya Insurance | LocalBusiness | #business | https://www.fredloya.com/ | Subject of this page |
| San Francisco, California | City | #city | Nothing found | City Fred Loya is in |
| Local AI Registry | Organization | #publisher | https://localairegistry.com | Publisher of this page |
| Steve Lee | Person | #author | https://localairegistry.com/team | Author of this page |


## Topical map

Where this page sits in the registry. It's one profile among the auto insurance agencies in San Francisco, linked to the lists and towns around it.


### Lists

- Best auto insurance agencies in San Francisco: https://localairegistry.com/leaderboards/ca/san-francisco/auto-insurance-agency
- Best businesses in San Francisco: https://localairegistry.com/leaderboards/ca/san-francisco


### Nearby

- /los-angeles: https://localairegistry.com/leaderboards/ca/los-angeles
- /san-jose: https://localairegistry.com/leaderboards/ca/san-jose
- /san-diego: https://localairegistry.com/leaderboards/ca/san-diego
- /irvine: https://localairegistry.com/leaderboards/ca/irvine
- /fresno: https://localairegistry.com/leaderboards/ca/fresno
- /palo-alto: https://localairegistry.com/leaderboards/ca/palo-alto


### Every list

- Every leaderboard in California: https://localairegistry.com/leaderboards/ca


## Frequently asked questions


### What is AI search optimization for local business?

Getting a business named when a neighbor asks ChatGPT, Gemini, or Perplexity for a recommendation. Some call it AI SEO, some call it generative engine optimization. Traditional SEO fights for ten blue links; this fights for the one answer an assistant says out loud. The AI Score on this page measures the eight signals that drive it.


### What is Local AI Registry?

The public record of how AI sees local business. We score every business we list by one published method, we keep the questions people ask about it in one place, and we never sell rank. Looking up any business here is free.


### How does this page help a business get recommended by AI?

Assistants read public pages before they answer. This one states what the business does, what people ask about it, and what the Record answers, in one place a machine can read. Correcting what is wrong here changes what an assistant repeats next.


### Who writes the answers here?

Registry AI writes the first answer under every question, from the Record and the public sources named beneath it. Neighbors write the rest under pseudonyms. A registered owner can reply as the business, and their reply says so.


### I own Fred Loya Insurance. How do I fix something or rank higher?

Register the page. It is free, it takes about five minutes, and it lets you correct the Record and reply as the business. Nothing on this page is for sale, so the only thing that moves the score is the work.


## References


### Sources cited

- [1] Google Business Profile, https://www.google.com/maps/place/?q=place_id:ChIJu91oQCN-j4ARaS_14jmCcDs (accessed Sep 23, 2026)