Occidental Auto Insurance Review
Occidental Fire &Casualty Company of North Carolina offers auto insurance to its customers. Even though the name states that the company is located in North Carolina, Occidental offers car insurance in just about all of the 50 states in the U.S. Occidental Fire and Casualty was started in 1960 and is part of the IAT-RE Group, the insurance holding company. The insurance arm of the company operates throughout the United States, not just North Carolina.
Occidental Fire & Casualty Company of North Carolina also offers home, boat and business insurance along with automobile insurance. The goal of the company is to provide competitive auto insurance to its customers through efficient delivery systems and a variety of networks.
Obtaining Occidental Automobile Insurance
A person interested in obtaining quotes for auto insurance from Occidental has several options.
- Online at the Occidental official website
- Online through auto insurance free rate quote comparison sites
- Calling the Occidental free 800 number
- Through an insurance agent licensed to carry Occidental automobile insurance
- Make and model of the automobile being insured
- Year of the auto
- Lien holder information
- Name ,address and zip code of the licensed driver owning the auto
- Age of the licensed driver
- Driving record for the past three to five years
- Any other drivers of the automobile
- Information on any other automobiles being insured
Many automobile insurers are now performing credit checks before issuing quotes on insurance. Entering a zip code is the first step in retrieving comparative quotes; actual insurance companies may ask for additional information in order to issue a valid quote on the automobile.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Occidental Automobile Insurance
It is always a good idea to investigate an automobile insurance company before purchasing the insurance policy. The Occidental Fire & Casualty Company of North Carolina is rated by AM Best through Occidental Acceptance Group. The AM Best rating is for the financial reliability of the Occidental Acceptance Group, and they are rated A-, which is an excellent rating by this highly recognized independent organization that provides financial ratings on companies.
That rating, however, does not apply to the automobile or other insurance products provided by Occidental. Occidental Insurance does not have a rating from AM Best, even though it is filed as a separate company with the rating organization. Occidental Insurance is listed as an unrated company.
While the Occidental website lists the AM Best rating in their information about insurance, the person considering this company for auto insurance should be aware of the difference. It could be safe to assume that the insurance arm of the company is as financially stable as the entire company, but there are no guarantees on that.
The Better Business Bureau (BBB) rates Occidental with an A. Any complaints that were filed against them were resolved satisfactorily by the company, which is a good indication about the company’s commitment to providing good customer service.
Purchasing Automobile Insurance
A person should always research several automobile insurance companies before selecting one. While the information and rate quotes that can be obtained online are a great place to start, that is just the beginning. There are other important areas to consider before selecting an automobile insurance company.
- Customer Service – if possible, always contact the insurance company to speak with a customer service representative. It is important to assess how easy it is to contact customer service, and how efficient they are in answering questions and providing correct information.
- Claims Payment – question the company on the ease of filing claims and the promptness in which claims are resolved. This is important information to have in case of an accident.
- Local Representation – Occidental automobile insurance is sold through local, independent agents. Find out and interview a couple agents in the area to determine how helpful they seem, as they are the people to call in case of an accident.
Occidental’s automobile insurance website has a list of Frequently Asked Questions, and provides more information on selecting auto insurance, including local state requirements. Receiving comparative rate quotes is the best way to start when determining which auto insurance company to select.