Occidental Auto Insurance Review (2021)

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

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 16, 2021

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.

Company Details
Address: 702 Oberlin Road
City: Raleigh
State: NC
ZIP Code: 27605-0800
Phone Number: 919-833-1600
Year Founded: 1960
AM Best Rating: A-
Company Rating 1.64 (11 reviews)

Things to Remember...

  • 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

* 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 are My Occidental Auto Insurance 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

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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.

What Are the Best Ways to Get Savings with Occidental Auto Insurance?

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.

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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.

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What do Customer Reviews Say About Occidental Auto Insurance?

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.

To compare auto insurance rates, all you have to do is enter your ZIP code in the FREE search tool here!

11 Comments

  1. K Nenon January 15, 2015
  2. K Nenon February 27, 2015
  3. juan October 15, 2015
  4. Kevin November 19, 2015
  5. dennis March 3, 2016
  6. Lucille May 25, 2016
  7. Michelle Marrufo February 7, 2017
  8. Michelle Marrufo February 14, 2017
  9. Nicholas Fantini February 15, 2017
  10. Steve March 4, 2017
  11. Debbie May 31, 2017

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