Occidental Auto Insurance Review (2024)

Looking at Occidental auto insurance? They offer property and casualty insurance and have a financial rating of A- (Excellent) from A.M. Best.

UPDATED: Oct 13, 2023Fact Checked

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.

Licensed Insurance Agent

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Oct 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Oct 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Oct 13, 2023Fact Checked
2.0
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Occidental Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Occidental Insurance is part of the IAT Reinsurance Group
  • Occidental provides commercial insurance products
  • Occidental also offers services as a re-insurer to other insurance companies

Cons

  • OcciQuoteSM is decommissioned

Final Verdict: Review of Occidental Insurance

* OcciQuoteSM is decommissioned.

Occidental has been in existence since 1960. This North Carolina insurance company is one of 20 companies under IAT Reinsurance Group. These include:

  • Harco National Insurance Company
  • TransGuard Insurance Company
  • Safeport Insurance Company
  • Wilshire Insurance Company and Acceptance Casualty Insurance Company

Occidental Fire & Casualty Company also offers personal lines of coverage through the company network. IAT-Re Group is the formal name of the holding company over all 20 insurance companies.

Occidental has an “A-” rating from A.M. Best, the insurance rating organization.

As an insurance products provider, they have standard coverage options available throughout the country. Every state has a minimum coverage requirement for all drivers.

To get auto insurance quotes from Occidental as well as other major carriers, enter your ZIP code here to get started.

[su_box title="Things to Remember..." style="default”]
  • Occidental Insurance is part of the IAT Reinsurance Group
  • Occidental provides commercial insurance products
  • Occidental also offers services as a re-insurer to other insurance companies
[/su_box] * OcciQuoteSM is decommissioned. Occidental has been in existence since 1960. This North Carolina insurance company is one of 20 companies under IAT Reinsurance Group. These include:
  • Harco National Insurance Company
  • TransGuard Insurance Company
  • Safeport Insurance Company
  • Wilshire Insurance Company and Acceptance Casualty Insurance Company
Occidental Fire & Casualty Company also offers personal lines of coverage through the company network. IAT-Re Group is the formal name of the holding company over all 20 insurance companies. Occidental has an “A-” rating from A.M. Best, the insurance rating organization. As an insurance products provider, they have standard coverage options available throughout the country. Every state has a minimum coverage requirement for all drivers. To get auto insurance quotes from Occidental as well as other major carriers, enter your ZIP code here to get started.

What You Should Know About Occidental Fire & Casualty- IAT Insurance Group

Occidental’s review record is not all bad considering they only receive a handful of complaints annually. The reviews are commonly mixed with complaints about unreturned phone calls and claim denials.

Business peers saw Occidental as a company who took advantage of the lack of competition in the state of Massachusetts.

Policyholders were paying a surcharge in premiums and on windshield replacement. Pressure from community advocates influenced change that eventually resulted in rate and surcharge reductions.

The Internet allows you to write your own review about Occidental or any other consumer experience. Most people write about bad experiences, although many also write about exceptionally good experiences.

Is the Auto Insurance Industry a Good Career?

An insurance company is also a good place to work.

A career with Occidental Insurance may involve one of the following positions:

  • Actuary
  • Customer Service
  • Underwriter
  • Agent
  • Processor
  • Administrator
  • Management

Along with other possibilities, some of these positions may be entry level or professional level. Unfortunately, there is no online application to submit.

Upper management positions may have to be sought after through IAT Specialty Group‘s Scottsdale, Arizona or Omaha, Nebraska offices.

Occidental Fire & Casualty- IAT Insurance Group Insurance Coverage Options

Occidental insurance options include the following:

  • Bodily injury liability – for any injuries or death to another person or people in an accident where you are at fault
  • Property damage – pays for items that you damage with your vehicle
  • Collision – covers damage to your car when you collide with another vehicle
  • Comprehensive coverage – covers your car when it falls victim to weather conditions, vandalism, or theft
  • Personal injury protection – covers you and your passengers in the event you are hurt or killed in an accident
  • Uninsured or underinsured motorist’s – protects you and your vehicle when you encounter a driver without insurance or without enough insurance coverage

Occidental Auto Insurance Additional Coverage

Additional coverage includes rental reimbursement, which replaces your vehicle with a rental when your car is in repair.

Towing options are common inclusions, such as roadside assistance with gas, or towing 24 hours a day, seven days per week.

Other on-site repairs are covered under this inclusion such as a battery jump or tire change.

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Occidental Fire & Casualty- IAT Insurance Group Discounts Available

Most drivers on the road today are interested in any type of savings.

One suggestion is to inquire about a diminishing deductible program. If you decide on a higher deductible, your premiums will be lowered.

If you opt to pay a larger down payment on your annual premium, your monthly premiums may be more affordable.

In addition, if you pay premiums in advance, your annual amount will be lower. The difference is in the interest you pay over the length of the policy.

If you have points on your driving record, you may be able to improve them by taking a defensive driving course. These courses may help remove as many as six points from your record.

Another way to save is to combine your homeowners insurance or motorcycle policy with your vehicle policy.

Frequently Asked Questions

What is Occidental Auto Insurance?

Occidental Auto Insurance is an insurance company that provides auto insurance coverage to individuals and families. They offer a range of insurance products and services to meet the needs of drivers.

Is Occidental Auto Insurance a reputable company?

Occidental Auto Insurance is a reputable insurance company with a long-standing history in the industry. They have been serving customers for many years and have built a strong reputation for their coverage and customer service. However, it’s always a good idea to research and read customer reviews to make an informed decision.

What types of coverage does Occidental Auto Insurance offer?

Occidental Auto Insurance offers a variety of coverage options to protect you and your vehicle. They provide standard auto insurance coverages such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. Additionally, they may offer additional coverage options and benefits that you can choose from.

How can I get a quote from Occidental Auto Insurance?

To obtain a quote from Occidental Auto Insurance, you can visit their official website or contact their customer service directly. On their website, you may find a quote form where you can provide the necessary information about your vehicle, driving history, and coverage requirements to receive an estimate. Alternatively, you can reach out to an Occidental agent for assistance.

Does Occidental Auto Insurance offer any discounts?

Occidental Auto Insurance may offer various discounts to help you save on your premium. These discounts may include safe driving discounts, multi-policy discounts, good student discounts, and more. When obtaining a quote, be sure to inquire about available discounts that you may qualify for.

How can I file a claim with Occidental Auto Insurance?

If you need to file a claim with Occidental Auto Insurance, you should contact their claims department directly. They typically have a dedicated claims phone number and online claims portal where you can report your incident and initiate the claims process. It’s important to have all the necessary details and documentation ready when filing a claim.

How is Occidental Auto Insurance customer service?

Occidental Auto Insurance strives to provide excellent customer service to policyholders. Their customer service team is generally responsive, knowledgeable, and helpful in addressing inquiries, concerns, and claims. They aim to provide a positive customer experience throughout the policy lifecycle.

Can I manage my Occidental Auto Insurance policy online?

Yes, Occidental Auto Insurance offers online account management for policyholders. Through their website or mobile app, you can access your policy details, make payments, view documents, and update your information. This convenient self-service option allows you to manage your policy at your convenience.

Does Occidental Auto Insurance offer coverage in all states?

The availability of coverage from Occidental Auto Insurance may vary by state. It’s recommended to check their website or contact their customer service to confirm if they offer coverage in your specific location.

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Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.

Licensed Insurance Agent

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Occidental Fire & Casualty- IAT Insurance Group

2.00 (17 reviews)
5
November 8, 2017

tamlaw45

Great prices

I went to about 2 dozen places before I found one that offered Occidental. The rates were so low. I was quoted with other places as much as 500 down and 270 a month. i don't even drive that much to pay such high rates. With Occidental my down payment was less than 150 and and less than 70 a month. Perfect for me!!
5
September 29, 2017

tamlaw45

great rates

Fast and easy to apply online or over the phone. They offer great rates quick quotes and a very friendly staff to help you make the right choices.
2.5
August 5, 2017

sweetgurl22

Not the best

The way they choose to bill you, on a month to month basis, is not ideal for people who want to know exactly the amount to be paid. For instance, one can be charged $65 one month, then $70 the following month. I am not a fan of this.
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