Occidental Auto Insurance Review (2022)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 28, 2022

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: Sep 28, 2022

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.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 28, 2022Fact Checked
Quick Read
2.0
autoinsurance.org

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Occidental Insurance

Average annual 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

The Bottom Line

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.

Premiums and 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.

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 overall 20 insurance companies.

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Occidental Fire & Casualty- IAT Insurance Group 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 motorists – protects you and your vehicle when you encounter a driver without insurance or without enough insurance coverage

As an insurance products provider, they have standard coverage options available throughout the country.

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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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Reviews
for Occidental Fire & Casualty- IAT Insurance Group

2.00 (16 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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